Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,729Cash toward the purchase price.
Closing costs + prepaids$10,631Not just lender fees.
Before credits & paid funds$55,360The complete starting cash picture.
Estimated remaining funds due at closing
$55,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,729.04
Your down payment$44,729.04
Closing costs + prepaids$10,630.84
Total buyer cash needed$55,359.89
Remaining funds due$55,359.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$1,003.00
Prepaid interest, first (25 days)$752.84
Fees + prepaids$10,630.84
Your down payment is the seller’s equity. You take over the $220,271 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $55,359.89 is due at closing. Uses and sources reconcile at $275,630.84 each. Not a Closing Disclosure.