Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$50,831Cash toward the purchase price.
Closing costs + prepaids$28,284Not just lender fees.
Before credits & paid funds$79,116The complete starting cash picture.
Estimated remaining funds due at closing
$79,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,831.42
Your down payment$50,831.42
Closing costs + prepaids$28,284.47
Total buyer cash needed$79,115.89
Remaining funds due$79,115.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,250.00
Prepaid interest, first (23 days)$4,809.47
Fees + prepaids$28,284.47
Your down payment is the seller’s equity. You take over the $1,249,169 balance, so the rest of the $1,300,000 price is paid at closing. A second mortgage can cover part of it. $79,115.89 is due at closing. Uses and sources reconcile at $1,328,284.47 each. Not a Closing Disclosure.