Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$44,140Cash toward the purchase price.
Closing costs + prepaids$10,201Not just lender fees.
Before credits & paid funds$54,341The complete starting cash picture.
Estimated remaining funds due at closing
$54,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,140.25
Your down payment$44,140.25
Closing costs + prepaids$10,200.80
Total buyer cash needed$54,341.05
Remaining funds due$54,341.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,925.00
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)$393.50
Prepaid interest, first (28 days)$657.30
Fees + prepaids$10,200.80
Your down payment is the seller’s equity. You take over the $248,360 balance, so the rest of the $292,500 price is paid at closing. A second mortgage can cover part of it. $54,341.05 is due at closing. Uses and sources reconcile at $302,700.80 each. Not a Closing Disclosure.