Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$55,105Cash toward the purchase price.
Closing costs + prepaids$9,858Not just lender fees.
Before credits & paid funds$64,963The complete starting cash picture.
Estimated remaining funds due at closing
$64,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,104.84
Your down payment$55,104.84
Closing costs + prepaids$9,857.94
Total buyer cash needed$64,962.78
Remaining funds due$64,962.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$360.00
Prepaid interest, first (6 days)$272.94
Fees + prepaids$9,857.94
Your down payment is the seller’s equity. You take over the $244,895 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $64,962.78 is due at closing. Uses and sources reconcile at $309,857.94 each. Not a Closing Disclosure.