Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,525Cash toward the purchase price.
Closing costs + prepaids$10,214Not just lender fees.
Before credits & paid funds$46,739The complete starting cash picture.
Estimated remaining funds due at closing
$46,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,525.13
Your down payment$36,525.13
Closing costs + prepaids$10,213.62
Total buyer cash needed$46,738.75
Remaining funds due$46,738.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$330.25
Prepaid interest, first (28 days)$1,068.37
Fees + prepaids$10,213.62
Your down payment is the seller’s equity. You take over the $222,475 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $46,738.75 is due at closing. Uses and sources reconcile at $269,213.62 each. Not a Closing Disclosure.