Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$54,191Cash toward the purchase price.
Closing costs + prepaids$9,621Not just lender fees.
Before credits & paid funds$63,812The complete starting cash picture.
Estimated remaining funds due at closing
$63,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,190.89
Your down payment$54,190.89
Closing costs + prepaids$9,620.88
Total buyer cash needed$63,811.77
Remaining funds due$63,811.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,930.00
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)$94.25
Prepaid interest, first (20 days)$371.63
Fees + prepaids$9,620.88
Your down payment is the seller’s equity. You take over the $238,809 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $63,811.77 is due at closing. Uses and sources reconcile at $302,620.88 each. Not a Closing Disclosure.