Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,957Cash toward the purchase price.
Closing costs + prepaids$10,290Not just lender fees.
Before credits & paid funds$46,246The complete starting cash picture.
Estimated remaining funds due at closing
$46,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,956.84
Your down payment$35,956.84
Closing costs + prepaids$10,289.57
Total buyer cash needed$46,246.42
Remaining funds due$46,246.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$608.00
Prepaid interest, first (24 days)$966.57
Fees + prepaids$10,289.57
Your down payment is the seller’s equity. You take over the $213,043 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $46,246.42 is due at closing. Uses and sources reconcile at $259,289.57 each. Not a Closing Disclosure.