Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,944Cash toward the purchase price.
Closing costs + prepaids$10,504Not just lender fees.
Before credits & paid funds$54,448The complete starting cash picture.
Estimated remaining funds due at closing
$54,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,944.02
Your down payment$43,944.02
Closing costs + prepaids$10,503.88
Total buyer cash needed$54,447.90
Remaining funds due$54,447.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,628.88
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)$657.25
Initial HOA (3 months)$12.00
Prepaid interest, first (25 days)$980.75
Fees + prepaids$10,503.88
Your down payment is the seller’s equity. You take over the $218,944 balance, so the rest of the $262,888 price is paid at closing. A second mortgage can cover part of it. $54,447.90 is due at closing. Uses and sources reconcile at $273,391.88 each. Not a Closing Disclosure.