Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$63,353Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$73,967The complete starting cash picture.
Estimated remaining funds due at closing
$73,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,353.41
Your down payment$63,353.41
Closing costs + prepaids$10,613.29
Total buyer cash needed$73,966.70
Remaining funds due$73,966.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,110.16
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)$388.75
Initial HOA (3 months)$120.00
Prepaid interest, first (17 days)$769.38
Fees + prepaids$10,613.29
Your down payment is the seller’s equity. You take over the $247,663 balance, so the rest of the $311,016 price is paid at closing. A second mortgage can cover part of it. $73,966.70 is due at closing. Uses and sources reconcile at $321,629.29 each. Not a Closing Disclosure.