Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,119Cash toward the purchase price.
Closing costs + prepaids$10,319Not just lender fees.
Before credits & paid funds$61,438The complete starting cash picture.
Estimated remaining funds due at closing
$61,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,118.90
Your down payment$51,118.90
Closing costs + prepaids$10,319.49
Total buyer cash needed$61,438.39
Remaining funds due$61,438.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,145.00
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)$163.75
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$686.74
Fees + prepaids$10,319.49
Your down payment is the seller’s equity. You take over the $263,381 balance, so the rest of the $314,500 price is paid at closing. A second mortgage can cover part of it. $61,438.39 is due at closing. Uses and sources reconcile at $324,819.49 each. Not a Closing Disclosure.