Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,785Cash toward the purchase price.
Closing costs + prepaids$9,875Not just lender fees.
Before credits & paid funds$55,660The complete starting cash picture.
Estimated remaining funds due at closing
$55,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,784.82
Your down payment$45,784.82
Closing costs + prepaids$9,875.22
Total buyer cash needed$55,660.04
Remaining funds due$55,660.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
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)$587.25
Prepaid interest, first (26 days)$713.97
Fees + prepaids$9,875.22
Your down payment is the seller’s equity. You take over the $189,115 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $55,660.04 is due at closing. Uses and sources reconcile at $244,775.22 each. Not a Closing Disclosure.