Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$53,549Cash toward the purchase price.
Closing costs + prepaids$11,023Not just lender fees.
Before credits & paid funds$64,572The complete starting cash picture.
Estimated remaining funds due at closing
$64,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,549.17
Your down payment$53,549.17
Closing costs + prepaids$11,022.90
Total buyer cash needed$64,572.08
Remaining funds due$64,572.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,839.00
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)$331.25
Initial HOA (3 months)$525.00
Prepaid interest, first (26 days)$1,102.65
Fees + prepaids$11,022.90
Your down payment is the seller’s equity. You take over the $230,351 balance, so the rest of the $283,900 price is paid at closing. A second mortgage can cover part of it. $64,572.08 is due at closing. Uses and sources reconcile at $294,922.90 each. Not a Closing Disclosure.