Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$44,356Cash toward the purchase price.
Closing costs + prepaids$10,003Not just lender fees.
Before credits & paid funds$54,360The complete starting cash picture.
Estimated remaining funds due at closing
$54,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,356.30
Your down payment$44,356.30
Closing costs + prepaids$10,003.20
Total buyer cash needed$54,359.51
Remaining funds due$54,359.51
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)$251.25
Prepaid interest, first (27 days)$1,036.95
Fees + prepaids$10,003.20
Your down payment is the seller’s equity. You take over the $204,644 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $54,359.51 is due at closing. Uses and sources reconcile at $259,003.20 each. Not a Closing Disclosure.