Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$49,495Cash toward the purchase price.
Closing costs + prepaids$11,059Not just lender fees.
Before credits & paid funds$60,554The complete starting cash picture.
Estimated remaining funds due at closing
$60,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,495.00
Your down payment$49,495.00
Closing costs + prepaids$11,059.12
Total buyer cash needed$60,554.13
Remaining funds due$60,554.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,080.00
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)$510.75
Prepaid interest, first (28 days)$1,243.37
Fees + prepaids$11,059.12
Your down payment is the seller’s equity. You take over the $258,505 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $60,554.13 is due at closing. Uses and sources reconcile at $319,059.12 each. Not a Closing Disclosure.