Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$42,605Cash toward the purchase price.
Closing costs + prepaids$9,970Not just lender fees.
Before credits & paid funds$52,574The complete starting cash picture.
Estimated remaining funds due at closing
$52,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,604.51
Your down payment$42,604.51
Closing costs + prepaids$9,969.75
Total buyer cash needed$52,574.27
Remaining funds due$52,574.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$311.50
Prepaid interest, first (26 days)$983.25
Fees + prepaids$9,969.75
Your down payment is the seller’s equity. You take over the $202,395 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $52,574.27 is due at closing. Uses and sources reconcile at $254,969.75 each. Not a Closing Disclosure.