Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$47,953Cash toward the purchase price.
Closing costs + prepaids$9,881Not just lender fees.
Before credits & paid funds$57,834The complete starting cash picture.
Estimated remaining funds due at closing
$57,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,952.82
Your down payment$47,952.82
Closing costs + prepaids$9,880.95
Total buyer cash needed$57,833.76
Remaining funds due$57,833.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$248.75
Initial HOA (3 months)$6.24
Prepaid interest, first (26 days)$901.96
Fees + prepaids$9,880.95
Your down payment is the seller’s equity. You take over the $201,947 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $57,833.76 is due at closing. Uses and sources reconcile at $259,780.95 each. Not a Closing Disclosure.