Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$42,080Cash toward the purchase price.
Closing costs + prepaids$11,059Not just lender fees.
Before credits & paid funds$53,139The complete starting cash picture.
Estimated remaining funds due at closing
$53,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,079.92
Your down payment$42,079.92
Closing costs + prepaids$11,059.11
Total buyer cash needed$53,139.03
Remaining funds due$53,139.03
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)$318.25
Prepaid interest, first (31 days)$1,515.86
Fees + prepaids$11,059.11
Your down payment is the seller’s equity. You take over the $257,920 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $53,139.03 is due at closing. Uses and sources reconcile at $311,059.11 each. Not a Closing Disclosure.