Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$82,033Cash toward the purchase price.
Closing costs + prepaids$10,065Not just lender fees.
Before credits & paid funds$92,098The complete starting cash picture.
Estimated remaining funds due at closing
$92,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,033.01
Your down payment$82,033.01
Closing costs + prepaids$10,064.77
Total buyer cash needed$92,097.77
Remaining funds due$92,097.77
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)$765.00
Prepaid interest, first (4 days)$74.77
Fees + prepaids$10,064.77
Your down payment is the seller’s equity. You take over the $217,967 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $92,097.77 is due at closing. Uses and sources reconcile at $310,064.77 each. Not a Closing Disclosure.