Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$13,819Cash toward the purchase price.
Closing costs + prepaids$37,119Not just lender fees.
Before credits & paid funds$50,938The complete starting cash picture.
Estimated remaining funds due at closing
$50,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,819.34
Your down payment$13,819.34
Closing costs + prepaids$37,118.93
Total buyer cash needed$50,938.28
Remaining funds due$50,938.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,580.00
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)$26,633.00
Initial HOA (3 months)$375.00
Prepaid interest, first (27 days)$1,305.93
Fees + prepaids$37,118.93
Your down payment is the seller’s equity. You take over the $244,181 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $50,938.28 is due at closing. Uses and sources reconcile at $295,118.93 each. Not a Closing Disclosure.