Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,663Cash toward the purchase price.
Closing costs + prepaids$11,001Not just lender fees.
Before credits & paid funds$63,663The complete starting cash picture.
Estimated remaining funds due at closing
$63,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,662.83
Your down payment$52,662.83
Closing costs + prepaids$11,000.63
Total buyer cash needed$63,663.46
Remaining funds due$63,663.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.99
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)$268.75
Prepaid interest, first (31 days)$1,356.89
Fees + prepaids$11,000.63
Your down payment is the seller’s equity. You take over the $262,336 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $63,663.46 is due at closing. Uses and sources reconcile at $325,999.63 each. Not a Closing Disclosure.