Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$48,352Cash toward the purchase price.
Closing costs + prepaids$10,486Not just lender fees.
Before credits & paid funds$58,839The complete starting cash picture.
Estimated remaining funds due at closing
$58,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,352.41
Your down payment$48,352.41
Closing costs + prepaids$10,486.19
Total buyer cash needed$58,838.61
Remaining funds due$58,838.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$386.25
Prepaid interest, first (16 days)$784.94
Fees + prepaids$10,486.19
Your down payment is the seller’s equity. You take over the $260,648 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $58,838.61 is due at closing. Uses and sources reconcile at $319,486.19 each. Not a Closing Disclosure.