Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$50,318Cash toward the purchase price.
Closing costs + prepaids$9,952Not just lender fees.
Before credits & paid funds$60,270The complete starting cash picture.
Estimated remaining funds due at closing
$60,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,317.91
Your down payment$50,317.91
Closing costs + prepaids$9,952.48
Total buyer cash needed$60,270.39
Remaining funds due$60,270.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$366.00
Prepaid interest, first (6 days)$311.48
Fees + prepaids$9,952.48
Your down payment is the seller’s equity. You take over the $254,682 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $60,270.39 is due at closing. Uses and sources reconcile at $314,952.48 each. Not a Closing Disclosure.