Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,886Cash toward the purchase price.
Closing costs + prepaids$9,979Not just lender fees.
Before credits & paid funds$47,865The complete starting cash picture.
Estimated remaining funds due at closing
$47,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,886.36
Your down payment$37,886.36
Closing costs + prepaids$9,978.62
Total buyer cash needed$47,864.98
Remaining funds due$47,864.98
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)$489.25
Prepaid interest, first (26 days)$814.38
Fees + prepaids$9,978.62
Your down payment is the seller’s equity. You take over the $207,113 balance, so the rest of the $244,999 price is paid at closing. A second mortgage can cover part of it. $47,864.98 is due at closing. Uses and sources reconcile at $254,977.62 each. Not a Closing Disclosure.