Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$49,911Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$60,539The complete starting cash picture.
Estimated remaining funds due at closing
$60,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,911.00
Your down payment$49,911.00
Closing costs + prepaids$10,627.57
Total buyer cash needed$60,538.58
Remaining funds due$60,538.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$495.25
Prepaid interest, first (26 days)$1,007.32
Fees + prepaids$10,627.57
Your down payment is the seller’s equity. You take over the $240,089 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $60,538.58 is due at closing. Uses and sources reconcile at $300,627.57 each. Not a Closing Disclosure.