Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,060Cash toward the purchase price.
Closing costs + prepaids$10,492Not just lender fees.
Before credits & paid funds$67,553The complete starting cash picture.
Estimated remaining funds due at closing
$67,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,060.08
Your down payment$57,060.08
Closing costs + prepaids$10,492.48
Total buyer cash needed$67,552.56
Remaining funds due$67,552.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$171.75
Prepaid interest, first (28 days)$1,196.73
Fees + prepaids$10,492.48
Your down payment is the seller’s equity. You take over the $232,840 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $67,552.56 is due at closing. Uses and sources reconcile at $300,392.48 each. Not a Closing Disclosure.