Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,631Cash toward the purchase price.
Closing costs + prepaids$11,039Not just lender fees.
Before credits & paid funds$62,669The complete starting cash picture.
Estimated remaining funds due at closing
$62,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,630.79
Your down payment$51,630.79
Closing costs + prepaids$11,038.65
Total buyer cash needed$62,669.44
Remaining funds due$62,669.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$607.00
Prepaid interest, first (28 days)$1,056.65
Fees + prepaids$11,038.65
Your down payment is the seller’s equity. You take over the $263,369 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $62,669.44 is due at closing. Uses and sources reconcile at $326,038.65 each. Not a Closing Disclosure.