Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$39,336Cash toward the purchase price.
Closing costs + prepaids$10,475Not just lender fees.
Before credits & paid funds$49,811The complete starting cash picture.
Estimated remaining funds due at closing
$49,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,336.10
Your down payment$39,336.10
Closing costs + prepaids$10,475.13
Total buyer cash needed$49,811.22
Remaining funds due$49,811.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,929.00
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)$282.00
Prepaid interest, first (27 days)$1,039.13
Fees + prepaids$10,475.13
Your down payment is the seller’s equity. You take over the $253,564 balance, so the rest of the $292,900 price is paid at closing. A second mortgage can cover part of it. $49,811.22 is due at closing. Uses and sources reconcile at $303,375.13 each. Not a Closing Disclosure.