Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$36,572Cash toward the purchase price.
Closing costs + prepaids$10,453Not just lender fees.
Before credits & paid funds$47,025The complete starting cash picture.
Estimated remaining funds due at closing
$47,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,571.91
Your down payment$36,571.91
Closing costs + prepaids$10,452.83
Total buyer cash needed$47,024.74
Remaining funds due$47,024.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,580.00
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)$516.00
Prepaid interest, first (27 days)$1,131.83
Fees + prepaids$10,452.83
Your down payment is the seller’s equity. You take over the $221,428 balance, so the rest of the $258,000 price is paid at closing. A second mortgage can cover part of it. $47,024.74 is due at closing. Uses and sources reconcile at $268,452.83 each. Not a Closing Disclosure.