Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$34,985Cash toward the purchase price.
Closing costs + prepaids$10,393Not just lender fees.
Before credits & paid funds$45,378The complete starting cash picture.
Estimated remaining funds due at closing
$45,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,985.11
Your down payment$34,985.11
Closing costs + prepaids$10,392.69
Total buyer cash needed$45,377.80
Remaining funds due$45,377.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$551.25
Prepaid interest, first (24 days)$966.44
Fees + prepaids$10,392.69
Your down payment is the seller’s equity. You take over the $230,015 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $45,377.80 is due at closing. Uses and sources reconcile at $275,392.69 each. Not a Closing Disclosure.