Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$43,615Cash toward the purchase price.
Closing costs + prepaids$10,825Not just lender fees.
Before credits & paid funds$54,440The complete starting cash picture.
Estimated remaining funds due at closing
$54,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,615.18
Your down payment$43,615.18
Closing costs + prepaids$10,825.11
Total buyer cash needed$54,440.29
Remaining funds due$54,440.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,092.75
Prepaid interest, first (23 days)$608.36
Fees + prepaids$10,825.11
Your down payment is the seller’s equity. You take over the $246,285 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $54,440.29 is due at closing. Uses and sources reconcile at $300,725.11 each. Not a Closing Disclosure.