Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,075Cash toward the purchase price.
Closing costs + prepaids$10,184Not just lender fees.
Before credits & paid funds$37,259The complete starting cash picture.
Estimated remaining funds due at closing
$37,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,075.08
Your down payment$27,075.08
Closing costs + prepaids$10,183.97
Total buyer cash needed$37,259.05
Remaining funds due$37,259.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$509.50
Prepaid interest, first (27 days)$999.47
Fees + prepaids$10,183.97
Your down payment is the seller’s equity. You take over the $217,925 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $37,259.05 is due at closing. Uses and sources reconcile at $255,183.97 each. Not a Closing Disclosure.