Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$40,071Cash toward the purchase price.
Closing costs + prepaids$9,777Not just lender fees.
Before credits & paid funds$49,848The complete starting cash picture.
Estimated remaining funds due at closing
$49,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,070.87
Your down payment$40,070.87
Closing costs + prepaids$9,776.88
Total buyer cash needed$49,847.75
Remaining funds due$49,847.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$562.50
Initial HOA (3 months)$360.00
Prepaid interest, first (24 days)$379.38
Fees + prepaids$9,776.88
Your down payment is the seller’s equity. You take over the $184,929 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $49,847.75 is due at closing. Uses and sources reconcile at $234,776.88 each. Not a Closing Disclosure.