Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,263Cash toward the purchase price.
Closing costs + prepaids$9,672Not just lender fees.
Before credits & paid funds$58,935The complete starting cash picture.
Estimated remaining funds due at closing
$58,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,262.72
Your down payment$49,262.72
Closing costs + prepaids$9,671.83
Total buyer cash needed$58,934.55
Remaining funds due$58,934.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$298.75
Prepaid interest, first (1 days)$48.08
Fees + prepaids$9,671.83
Your down payment is the seller’s equity. You take over the $260,737 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $58,934.55 is due at closing. Uses and sources reconcile at $319,671.83 each. Not a Closing Disclosure.