Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$46,437Cash toward the purchase price.
Closing costs + prepaids$10,546Not just lender fees.
Before credits & paid funds$56,983The complete starting cash picture.
Estimated remaining funds due at closing
$56,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,436.53
Your down payment$46,436.53
Closing costs + prepaids$10,546.06
Total buyer cash needed$56,982.59
Remaining funds due$56,982.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$435.75
Prepaid interest, first (18 days)$885.32
Fees + prepaids$10,546.06
Your down payment is the seller’s equity. You take over the $253,562 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $56,982.59 is due at closing. Uses and sources reconcile at $310,545.06 each. Not a Closing Disclosure.