Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$36,274Cash toward the purchase price.
Closing costs + prepaids$11,262Not just lender fees.
Before credits & paid funds$47,536The complete starting cash picture.
Estimated remaining funds due at closing
$47,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,273.84
Your down payment$36,273.84
Closing costs + prepaids$11,261.72
Total buyer cash needed$47,535.55
Remaining funds due$47,535.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.99
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)$1,704.25
Prepaid interest, first (24 days)$882.48
Fees + prepaids$11,261.72
Your down payment is the seller’s equity. You take over the $208,725 balance, so the rest of the $244,999 price is paid at closing. A second mortgage can cover part of it. $47,535.55 is due at closing. Uses and sources reconcile at $256,260.72 each. Not a Closing Disclosure.