Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,264Cash toward the purchase price.
Closing costs + prepaids$9,837Not just lender fees.
Before credits & paid funds$45,101The complete starting cash picture.
Estimated remaining funds due at closing
$45,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,264.20
Your down payment$35,264.20
Closing costs + prepaids$9,837.15
Total buyer cash needed$45,101.35
Remaining funds due$45,101.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.90
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)$475.50
Prepaid interest, first (24 days)$686.75
Fees + prepaids$9,837.15
Your down payment is the seller’s equity. You take over the $209,726 balance, so the rest of the $244,990 price is paid at closing. A second mortgage can cover part of it. $45,101.35 is due at closing. Uses and sources reconcile at $254,827.15 each. Not a Closing Disclosure.