Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$53,799Cash toward the purchase price.
Closing costs + prepaids$11,708Not just lender fees.
Before credits & paid funds$65,508The complete starting cash picture.
Estimated remaining funds due at closing
$65,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,799.29
Your down payment$53,799.29
Closing costs + prepaids$11,708.40
Total buyer cash needed$65,507.69
Remaining funds due$65,507.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$1,097.75
Prepaid interest, first (29 days)$1,295.65
Fees + prepaids$11,708.40
Your down payment is the seller’s equity. You take over the $255,201 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $65,507.69 is due at closing. Uses and sources reconcile at $320,708.40 each. Not a Closing Disclosure.