Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$55,633Cash toward the purchase price.
Closing costs + prepaids$10,486Not just lender fees.
Before credits & paid funds$66,119The complete starting cash picture.
Estimated remaining funds due at closing
$66,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,632.68
Your down payment$55,632.68
Closing costs + prepaids$10,485.94
Total buyer cash needed$66,118.62
Remaining funds due$66,118.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$266.25
Initial HOA (3 months)$6.24
Prepaid interest, first (21 days)$889.45
Fees + prepaids$10,485.94
Your down payment is the seller’s equity. You take over the $254,267 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $66,118.62 is due at closing. Uses and sources reconcile at $320,385.94 each. Not a Closing Disclosure.