Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$50,081Cash toward the purchase price.
Closing costs + prepaids$10,567Not just lender fees.
Before credits & paid funds$60,648The complete starting cash picture.
Estimated remaining funds due at closing
$60,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,080.88
Your down payment$50,080.88
Closing costs + prepaids$10,566.78
Total buyer cash needed$60,647.66
Remaining funds due$60,647.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$400.00
Prepaid interest, first (16 days)$742.78
Fees + prepaids$10,566.78
Your down payment is the seller’s equity. You take over the $269,819 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $60,647.66 is due at closing. Uses and sources reconcile at $330,466.78 each. Not a Closing Disclosure.