Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$55,565Cash toward the purchase price.
Closing costs + prepaids$10,015Not just lender fees.
Before credits & paid funds$65,579The complete starting cash picture.
Estimated remaining funds due at closing
$65,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,564.61
Your down payment$55,564.61
Closing costs + prepaids$10,014.77
Total buyer cash needed$65,579.38
Remaining funds due$65,579.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$556.50
Initial HOA (3 months)$216.00
Prepaid interest, first (1 days)$18.27
Fees + prepaids$10,014.77
Your down payment is the seller’s equity. You take over the $244,335 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $65,579.38 is due at closing. Uses and sources reconcile at $309,914.77 each. Not a Closing Disclosure.