Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$39,870Cash toward the purchase price.
Closing costs + prepaids$10,194Not just lender fees.
Before credits & paid funds$50,064The complete starting cash picture.
Estimated remaining funds due at closing
$50,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,870.01
Your down payment$39,870.01
Closing costs + prepaids$10,194.48
Total buyer cash needed$50,064.49
Remaining funds due$50,064.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,910.00
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)$363.75
Prepaid interest, first (16 days)$695.73
Fees + prepaids$10,194.48
Your down payment is the seller’s equity. You take over the $251,130 balance, so the rest of the $291,000 price is paid at closing. A second mortgage can cover part of it. $50,064.49 is due at closing. Uses and sources reconcile at $301,194.48 each. Not a Closing Disclosure.