Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,975Cash toward the purchase price.
Closing costs + prepaids$10,718Not just lender fees.
Before credits & paid funds$51,693The complete starting cash picture.
Estimated remaining funds due at closing
$51,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,974.54
Your down payment$40,974.54
Closing costs + prepaids$10,718.33
Total buyer cash needed$51,692.87
Remaining funds due$51,692.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,989.99
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)$453.00
Prepaid interest, first (23 days)$1,050.34
Fees + prepaids$10,718.33
Your down payment is the seller’s equity. You take over the $258,024 balance, so the rest of the $298,999 price is paid at closing. A second mortgage can cover part of it. $51,692.87 is due at closing. Uses and sources reconcile at $309,717.33 each. Not a Closing Disclosure.