Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,952Cash toward the purchase price.
Closing costs + prepaids$11,150Not just lender fees.
Before credits & paid funds$58,102The complete starting cash picture.
Estimated remaining funds due at closing
$58,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,952.35
Your down payment$46,952.35
Closing costs + prepaids$11,149.57
Total buyer cash needed$58,101.93
Remaining funds due$58,101.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$514.50
Prepaid interest, first (27 days)$1,320.07
Fees + prepaids$11,149.57
Your down payment is the seller’s equity. You take over the $262,048 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $58,101.93 is due at closing. Uses and sources reconcile at $320,149.57 each. Not a Closing Disclosure.