Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$49,512Cash toward the purchase price.
Closing costs + prepaids$12,363Not just lender fees.
Before credits & paid funds$61,876The complete starting cash picture.
Estimated remaining funds due at closing
$61,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,512.13
Your down payment$49,512.13
Closing costs + prepaids$12,363.45
Total buyer cash needed$61,875.58
Remaining funds due$61,875.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.50
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)$1,552.75
Prepaid interest, first (29 days)$1,436.20
Fees + prepaids$12,363.45
Your down payment is the seller’s equity. You take over the $265,438 balance, so the rest of the $314,950 price is paid at closing. A second mortgage can cover part of it. $61,875.58 is due at closing. Uses and sources reconcile at $327,313.45 each. Not a Closing Disclosure.