Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,563Cash toward the purchase price.
Closing costs + prepaids$10,635Not just lender fees.
Before credits & paid funds$64,198The complete starting cash picture.
Estimated remaining funds due at closing
$64,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,562.95
Your down payment$53,562.95
Closing costs + prepaids$10,634.68
Total buyer cash needed$64,197.64
Remaining funds due$64,197.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,080.00
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)$337.00
Initial HOA (3 months)$366.00
Prepaid interest, first (31 days)$626.68
Fees + prepaids$10,634.68
Your down payment is the seller’s equity. You take over the $254,437 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $64,197.64 is due at closing. Uses and sources reconcile at $318,634.68 each. Not a Closing Disclosure.