Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,683Cash toward the purchase price.
Closing costs + prepaids$9,511Not just lender fees.
Before credits & paid funds$61,194The complete starting cash picture.
Estimated remaining funds due at closing
$61,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,683.09
Your down payment$51,683.09
Closing costs + prepaids$9,511.11
Total buyer cash needed$61,194.20
Remaining funds due$61,194.20
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)$203.25
Prepaid interest, first (2 days)$42.86
Fees + prepaids$9,511.11
Your down payment is the seller’s equity. You take over the $252,317 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $61,194.20 is due at closing. Uses and sources reconcile at $313,511.11 each. Not a Closing Disclosure.