Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$39,548Cash toward the purchase price.
Closing costs + prepaids$10,436Not just lender fees.
Before credits & paid funds$49,984The complete starting cash picture.
Estimated remaining funds due at closing
$49,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,548.17
Your down payment$39,548.17
Closing costs + prepaids$10,436.19
Total buyer cash needed$49,984.36
Remaining funds due$49,984.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$298.75
Prepaid interest, first (19 days)$912.44
Fees + prepaids$10,436.19
Your down payment is the seller’s equity. You take over the $260,452 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $49,984.36 is due at closing. Uses and sources reconcile at $310,436.19 each. Not a Closing Disclosure.