Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$34,286Cash toward the purchase price.
Closing costs + prepaids$9,511Not just lender fees.
Before credits & paid funds$43,797The complete starting cash picture.
Estimated remaining funds due at closing
$43,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,286.16
Your down payment$34,286.16
Closing costs + prepaids$9,511.12
Total buyer cash needed$43,797.28
Remaining funds due$43,797.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$345.00
Prepaid interest, first (24 days)$441.12
Fees + prepaids$9,511.12
Your down payment is the seller’s equity. You take over the $215,714 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $43,797.28 is due at closing. Uses and sources reconcile at $259,511.12 each. Not a Closing Disclosure.