Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$50,474Cash toward the purchase price.
Closing costs + prepaids$10,676Not just lender fees.
Before credits & paid funds$61,150The complete starting cash picture.
Estimated remaining funds due at closing
$61,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,473.84
Your down payment$50,473.84
Closing costs + prepaids$10,676.13
Total buyer cash needed$61,149.97
Remaining funds due$61,149.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,154.99
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)$451.75
Initial HOA (3 months)$147.99
Prepaid interest, first (23 days)$696.40
Fees + prepaids$10,676.13
Your down payment is the seller’s equity. You take over the $265,025 balance, so the rest of the $315,499 price is paid at closing. A second mortgage can cover part of it. $61,149.97 is due at closing. Uses and sources reconcile at $326,175.13 each. Not a Closing Disclosure.