Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,999Cash toward the purchase price.
Closing costs + prepaids$10,562Not just lender fees.
Before credits & paid funds$55,562The complete starting cash picture.
Estimated remaining funds due at closing
$55,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,999.26
Your down payment$44,999.26
Closing costs + prepaids$10,562.44
Total buyer cash needed$55,561.70
Remaining funds due$55,561.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$663.00
Initial HOA (3 months)$270.00
Prepaid interest, first (24 days)$805.44
Fees + prepaids$10,562.44
Your down payment is the seller’s equity. You take over the $214,901 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $55,561.70 is due at closing. Uses and sources reconcile at $270,462.44 each. Not a Closing Disclosure.