Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,176Cash toward the purchase price.
Closing costs + prepaids$11,367Not just lender fees.
Before credits & paid funds$60,543The complete starting cash picture.
Estimated remaining funds due at closing
$60,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,176.03
Your down payment$49,176.03
Closing costs + prepaids$11,366.94
Total buyer cash needed$60,542.97
Remaining funds due$60,542.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$1,075.75
Prepaid interest, first (27 days)$1,176.19
Fees + prepaids$11,366.94
Your down payment is the seller’s equity. You take over the $239,824 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $60,542.97 is due at closing. Uses and sources reconcile at $300,366.94 each. Not a Closing Disclosure.