Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$51,672Cash toward the purchase price.
Closing costs + prepaids$10,910Not just lender fees.
Before credits & paid funds$62,582The complete starting cash picture.
Estimated remaining funds due at closing
$62,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,672.46
Your down payment$51,672.46
Closing costs + prepaids$10,909.60
Total buyer cash needed$62,582.06
Remaining funds due$62,582.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$795.00
Prepaid interest, first (25 days)$709.60
Fees + prepaids$10,909.60
Your down payment is the seller’s equity. You take over the $266,328 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $62,582.06 is due at closing. Uses and sources reconcile at $328,909.60 each. Not a Closing Disclosure.