Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$40,732Cash toward the purchase price.
Closing costs + prepaids$9,759Not just lender fees.
Before credits & paid funds$50,491The complete starting cash picture.
Estimated remaining funds due at closing
$50,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,731.73
Your down payment$40,731.73
Closing costs + prepaids$9,759.41
Total buyer cash needed$50,491.14
Remaining funds due$50,491.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,989.99
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)$453.00
Prepaid interest, first (2 days)$91.42
Fees + prepaids$9,759.41
Your down payment is the seller’s equity. You take over the $258,267 balance, so the rest of the $298,999 price is paid at closing. A second mortgage can cover part of it. $50,491.14 is due at closing. Uses and sources reconcile at $308,758.41 each. Not a Closing Disclosure.