Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,413Cash toward the purchase price.
Closing costs + prepaids$9,936Not just lender fees.
Before credits & paid funds$63,349The complete starting cash picture.
Estimated remaining funds due at closing
$63,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,412.87
Your down payment$53,412.87
Closing costs + prepaids$9,936.12
Total buyer cash needed$63,348.99
Remaining funds due$63,348.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$237.50
Prepaid interest, first (27 days)$523.62
Fees + prepaids$9,936.12
Your down payment is the seller’s equity. You take over the $241,587 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $63,348.99 is due at closing. Uses and sources reconcile at $304,936.12 each. Not a Closing Disclosure.