Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$50,827Cash toward the purchase price.
Closing costs + prepaids$11,230Not just lender fees.
Before credits & paid funds$62,057The complete starting cash picture.
Estimated remaining funds due at closing
$62,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,827.30
Your down payment$50,827.30
Closing costs + prepaids$11,230.13
Total buyer cash needed$62,057.43
Remaining funds due$62,057.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$553.25
Initial HOA (3 months)$1,077.00
Prepaid interest, first (31 days)$575.88
Fees + prepaids$11,230.13
Your down payment is the seller’s equity. You take over the $229,073 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $62,057.43 is due at closing. Uses and sources reconcile at $291,130.13 each. Not a Closing Disclosure.