Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$43,995Cash toward the purchase price.
Closing costs + prepaids$10,390Not just lender fees.
Before credits & paid funds$54,385The complete starting cash picture.
Estimated remaining funds due at closing
$54,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,995.10
Your down payment$43,995.10
Closing costs + prepaids$10,389.73
Total buyer cash needed$54,384.83
Remaining funds due$54,384.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,978.20
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)$304.75
Prepaid interest, first (20 days)$881.78
Fees + prepaids$10,389.73
Your down payment is the seller’s equity. You take over the $253,825 balance, so the rest of the $297,820 price is paid at closing. A second mortgage can cover part of it. $54,384.83 is due at closing. Uses and sources reconcile at $308,209.73 each. Not a Closing Disclosure.