Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$40,378Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$51,083The complete starting cash picture.
Estimated remaining funds due at closing
$51,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,377.64
Your down payment$40,377.64
Closing costs + prepaids$10,705.81
Total buyer cash needed$51,083.45
Remaining funds due$51,083.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$196.00
Prepaid interest, first (27 days)$1,284.81
Fees + prepaids$10,705.81
Your down payment is the seller’s equity. You take over the $259,622 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $51,083.45 is due at closing. Uses and sources reconcile at $310,705.81 each. Not a Closing Disclosure.