Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,352Cash toward the purchase price.
Closing costs + prepaids$10,835Not just lender fees.
Before credits & paid funds$59,187The complete starting cash picture.
Estimated remaining funds due at closing
$59,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,352.41
Your down payment$48,352.41
Closing costs + prepaids$10,835.03
Total buyer cash needed$59,187.44
Remaining funds due$59,187.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$244.50
Prepaid interest, first (26 days)$1,275.53
Fees + prepaids$10,835.03
Your down payment is the seller’s equity. You take over the $260,648 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $59,187.44 is due at closing. Uses and sources reconcile at $319,835.03 each. Not a Closing Disclosure.