Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$36,764Cash toward the purchase price.
Closing costs + prepaids$10,519Not just lender fees.
Before credits & paid funds$47,283The complete starting cash picture.
Estimated remaining funds due at closing
$47,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,764.32
Your down payment$36,764.32
Closing costs + prepaids$10,519.06
Total buyer cash needed$47,283.37
Remaining funds due$47,283.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,529.00
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)$905.25
Prepaid interest, first (22 days)$859.81
Fees + prepaids$10,519.06
Your down payment is the seller’s equity. You take over the $216,136 balance, so the rest of the $252,900 price is paid at closing. A second mortgage can cover part of it. $47,283.37 is due at closing. Uses and sources reconcile at $263,419.06 each. Not a Closing Disclosure.