Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$39,460Cash toward the purchase price.
Closing costs + prepaids$11,378Not just lender fees.
Before credits & paid funds$50,838The complete starting cash picture.
Estimated remaining funds due at closing
$50,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,459.86
Your down payment$39,459.86
Closing costs + prepaids$11,377.78
Total buyer cash needed$50,837.65
Remaining funds due$50,837.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,649.00
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)$1,635.50
Prepaid interest, first (22 days)$868.28
Fees + prepaids$11,377.78
Your down payment is the seller’s equity. You take over the $225,440 balance, so the rest of the $264,900 price is paid at closing. A second mortgage can cover part of it. $50,837.65 is due at closing. Uses and sources reconcile at $276,277.78 each. Not a Closing Disclosure.