Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$41,252Cash toward the purchase price.
Closing costs + prepaids$9,922Not just lender fees.
Before credits & paid funds$51,174The complete starting cash picture.
Estimated remaining funds due at closing
$51,174No 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$9,921.96
Total buyer cash needed$51,173.52
Remaining funds due$51,173.52
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)$372.00
Prepaid interest, first (10 days)$225.96
Fees + prepaids$9,921.96
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. $51,173.52 is due at closing. Uses and sources reconcile at $319,821.96 each. Not a Closing Disclosure.