Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,869Cash toward the purchase price.
Closing costs + prepaids$9,945Not just lender fees.
Before credits & paid funds$61,814The complete starting cash picture.
Estimated remaining funds due at closing
$61,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,868.81
Your down payment$51,868.81
Closing costs + prepaids$9,944.98
Total buyer cash needed$61,813.80
Remaining funds due$61,813.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$270.00
Prepaid interest, first (28 days)$950.98
Fees + prepaids$9,944.98
Your down payment is the seller’s equity. You take over the $198,031 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $61,813.80 is due at closing. Uses and sources reconcile at $259,844.98 each. Not a Closing Disclosure.