Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$80,724Cash toward the purchase price.
Closing costs + prepaids$9,354Not just lender fees.
Before credits & paid funds$90,078The complete starting cash picture.
Estimated remaining funds due at closing
$90,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,723.82
Your down payment$80,723.82
Closing costs + prepaids$9,353.80
Total buyer cash needed$90,077.62
Remaining funds due$90,077.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$97.00
Prepaid interest, first (1 days)$41.80
Fees + prepaids$9,353.80
Your down payment is the seller’s equity. You take over the $218,276 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $90,077.62 is due at closing. Uses and sources reconcile at $308,353.80 each. Not a Closing Disclosure.