Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,480Cash toward the purchase price.
Closing costs + prepaids$10,353Not just lender fees.
Before credits & paid funds$44,833The complete starting cash picture.
Estimated remaining funds due at closing
$44,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,479.83
Your down payment$34,479.83
Closing costs + prepaids$10,352.71
Total buyer cash needed$44,832.54
Remaining funds due$44,832.54
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)$618.00
Prepaid interest, first (25 days)$1,019.71
Fees + prepaids$10,352.71
Your down payment is the seller’s equity. You take over the $214,520 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $44,832.54 is due at closing. Uses and sources reconcile at $259,352.71 each. Not a Closing Disclosure.