Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,152Cash toward the purchase price.
Closing costs + prepaids$11,629Not just lender fees.
Before credits & paid funds$62,781The complete starting cash picture.
Estimated remaining funds due at closing
$62,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,152.02
Your down payment$51,152.02
Closing costs + prepaids$11,628.69
Total buyer cash needed$62,780.71
Remaining funds due$62,780.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,900.00
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)$1,177.00
Prepaid interest, first (31 days)$1,326.69
Fees + prepaids$11,628.69
Your down payment is the seller’s equity. You take over the $238,848 balance, so the rest of the $290,000 price is paid at closing. A second mortgage can cover part of it. $62,780.71 is due at closing. Uses and sources reconcile at $301,628.69 each. Not a Closing Disclosure.