Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,820Cash toward the purchase price.
Closing costs + prepaids$10,133Not just lender fees.
Before credits & paid funds$58,953The complete starting cash picture.
Estimated remaining funds due at closing
$58,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,820.22
Your down payment$48,820.22
Closing costs + prepaids$10,132.71
Total buyer cash needed$58,952.93
Remaining funds due$58,952.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$874.25
Prepaid interest, first (1 days)$43.46
Fees + prepaids$10,132.71
Your down payment is the seller’s equity. You take over the $250,180 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $58,952.93 is due at closing. Uses and sources reconcile at $309,132.71 each. Not a Closing Disclosure.