Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$41,802Cash toward the purchase price.
Closing costs + prepaids$11,066Not just lender fees.
Before credits & paid funds$52,868The complete starting cash picture.
Estimated remaining funds due at closing
$52,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,801.72
Your down payment$41,801.72
Closing costs + prepaids$11,065.81
Total buyer cash needed$52,867.53
Remaining funds due$52,867.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,040.00
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)$585.00
Prepaid interest, first (25 days)$1,215.81
Fees + prepaids$11,065.81
Your down payment is the seller’s equity. You take over the $262,198 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $52,867.53 is due at closing. Uses and sources reconcile at $315,065.81 each. Not a Closing Disclosure.