Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,353Cash toward the purchase price.
Closing costs + prepaids$11,199Not just lender fees.
Before credits & paid funds$58,553The complete starting cash picture.
Estimated remaining funds due at closing
$58,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,353.40
Your down payment$47,353.40
Closing costs + prepaids$11,199.19
Total buyer cash needed$58,552.59
Remaining funds due$58,552.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,870.00
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)$310.75
Initial HOA (3 months)$444.00
Prepaid interest, first (31 days)$1,349.44
Fees + prepaids$11,199.19
Your down payment is the seller’s equity. You take over the $239,647 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $58,552.59 is due at closing. Uses and sources reconcile at $298,199.19 each. Not a Closing Disclosure.