Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$46,408Cash toward the purchase price.
Closing costs + prepaids$11,963Not just lender fees.
Before credits & paid funds$58,371The complete starting cash picture.
Estimated remaining funds due at closing
$58,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,408.11
Your down payment$46,408.11
Closing costs + prepaids$11,962.57
Total buyer cash needed$58,370.68
Remaining funds due$58,370.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.50
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)$2,139.00
Prepaid interest, first (24 days)$499.07
Fees + prepaids$11,962.57
Your down payment is the seller’s equity. You take over the $263,542 balance, so the rest of the $309,950 price is paid at closing. A second mortgage can cover part of it. $58,370.68 is due at closing. Uses and sources reconcile at $321,912.57 each. Not a Closing Disclosure.