Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$50,710Cash toward the purchase price.
Closing costs + prepaids$10,726Not just lender fees.
Before credits & paid funds$61,436The complete starting cash picture.
Estimated remaining funds due at closing
$61,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,709.84
Your down payment$50,709.84
Closing costs + prepaids$10,725.78
Total buyer cash needed$61,435.62
Remaining funds due$61,435.62
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)$738.00
Prepaid interest, first (22 days)$812.78
Fees + prepaids$10,725.78
Your down payment is the seller’s equity. You take over the $244,290 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $61,435.62 is due at closing. Uses and sources reconcile at $305,725.78 each. Not a Closing Disclosure.