Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$49,860Cash toward the purchase price.
Closing costs + prepaids$11,079Not just lender fees.
Before credits & paid funds$60,939The complete starting cash picture.
Estimated remaining funds due at closing
$60,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,860.22
Your down payment$49,860.22
Closing costs + prepaids$11,078.77
Total buyer cash needed$60,938.99
Remaining funds due$60,938.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$58.50
Prepaid interest, first (31 days)$1,596.27
Fees + prepaids$11,078.77
Your down payment is the seller’s equity. You take over the $270,040 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $60,938.99 is due at closing. Uses and sources reconcile at $330,978.77 each. Not a Closing Disclosure.