Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$45,964Cash toward the purchase price.
Closing costs + prepaids$10,054Not just lender fees.
Before credits & paid funds$56,018The complete starting cash picture.
Estimated remaining funds due at closing
$56,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,963.88
Your down payment$45,963.88
Closing costs + prepaids$10,054.40
Total buyer cash needed$56,018.29
Remaining funds due$56,018.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.99
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)$21.00
Prepaid interest, first (21 days)$908.41
Fees + prepaids$10,054.40
Your down payment is the seller’s equity. You take over the $244,035 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $56,018.29 is due at closing. Uses and sources reconcile at $300,053.40 each. Not a Closing Disclosure.