Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$46,813Cash toward the purchase price.
Closing costs + prepaids$11,199Not just lender fees.
Before credits & paid funds$58,012The complete starting cash picture.
Estimated remaining funds due at closing
$58,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,812.67
Your down payment$46,812.67
Closing costs + prepaids$11,199.03
Total buyer cash needed$58,011.70
Remaining funds due$58,011.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,869.00
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)$876.75
Initial HOA (3 months)$120.00
Prepaid interest, first (29 days)$1,108.28
Fees + prepaids$11,199.03
Your down payment is the seller’s equity. You take over the $240,087 balance, so the rest of the $286,900 price is paid at closing. A second mortgage can cover part of it. $58,011.70 is due at closing. Uses and sources reconcile at $298,099.03 each. Not a Closing Disclosure.