Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$50,884Cash toward the purchase price.
Closing costs + prepaids$8,888Not just lender fees.
Before credits & paid funds$59,772The complete starting cash picture.
Estimated remaining funds due at closing
$59,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,883.82
Your down payment$50,883.82
Closing costs + prepaids$8,887.91
Total buyer cash needed$59,771.73
Remaining funds due$59,771.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.99
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)$208.00
Prepaid interest, first (2 days)$54.92
Fees + prepaids$8,887.91
Your down payment is the seller’s equity. You take over the $189,115 balance, so the rest of the $239,999 price is paid at closing. A second mortgage can cover part of it. $59,771.73 is due at closing. Uses and sources reconcile at $248,886.91 each. Not a Closing Disclosure.