Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$52,663Cash toward the purchase price.
Closing costs + prepaids$10,513Not just lender fees.
Before credits & paid funds$63,176The complete starting cash picture.
Estimated remaining funds due at closing
$63,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,662.83
Your down payment$52,662.83
Closing costs + prepaids$10,512.84
Total buyer cash needed$63,175.67
Remaining funds due$63,175.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.99
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)$393.75
Prepaid interest, first (17 days)$744.10
Fees + prepaids$10,512.84
Your down payment is the seller’s equity. You take over the $262,336 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $63,175.67 is due at closing. Uses and sources reconcile at $325,511.84 each. Not a Closing Disclosure.