Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$47,252Cash toward the purchase price.
Closing costs + prepaids$11,602Not just lender fees.
Before credits & paid funds$58,855The complete starting cash picture.
Estimated remaining funds due at closing
$58,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,252.33
Your down payment$47,252.33
Closing costs + prepaids$11,602.18
Total buyer cash needed$58,854.50
Remaining funds due$58,854.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$1,982.25
Prepaid interest, first (30 days)$594.94
Fees + prepaids$11,602.18
Your down payment is the seller’s equity. You take over the $232,747 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $58,854.50 is due at closing. Uses and sources reconcile at $291,601.18 each. Not a Closing Disclosure.