Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$36,477Cash toward the purchase price.
Closing costs + prepaids$11,626Not just lender fees.
Before credits & paid funds$48,103The complete starting cash picture.
Estimated remaining funds due at closing
$48,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,477.11
Your down payment$36,477.11
Closing costs + prepaids$11,625.78
Total buyer cash needed$48,102.89
Remaining funds due$48,102.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.83
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)$1,178.75
Prepaid interest, first (24 days)$1,122.20
Fees + prepaids$11,625.78
Your down payment is the seller’s equity. You take over the $273,506 balance, so the rest of the $309,983 price is paid at closing. A second mortgage can cover part of it. $48,102.89 is due at closing. Uses and sources reconcile at $321,608.78 each. Not a Closing Disclosure.