Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$57,060Cash toward the purchase price.
Closing costs + prepaids$10,213Not just lender fees.
Before credits & paid funds$67,273The complete starting cash picture.
Estimated remaining funds due at closing
$67,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,060.08
Your down payment$57,060.08
Closing costs + prepaids$10,213.09
Total buyer cash needed$67,273.16
Remaining funds due$67,273.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$362.50
Prepaid interest, first (17 days)$726.59
Fees + prepaids$10,213.09
Your down payment is the seller’s equity. You take over the $232,840 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $67,273.16 is due at closing. Uses and sources reconcile at $300,113.09 each. Not a Closing Disclosure.