Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,252Cash toward the purchase price.
Closing costs + prepaids$10,201Not just lender fees.
Before credits & paid funds$51,453The complete starting cash picture.
Estimated remaining funds due at closing
$51,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,251.57
Your down payment$41,251.57
Closing costs + prepaids$10,200.99
Total buyer cash needed$51,452.56
Remaining funds due$51,452.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$289.50
Prepaid interest, first (26 days)$587.49
Fees + prepaids$10,200.99
Your down payment is the seller’s equity. You take over the $268,648 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $51,452.56 is due at closing. Uses and sources reconcile at $320,100.99 each. Not a Closing Disclosure.