Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$38,287Cash toward the purchase price.
Closing costs + prepaids$10,349Not just lender fees.
Before credits & paid funds$48,636The complete starting cash picture.
Estimated remaining funds due at closing
$48,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,287.29
Your down payment$38,287.29
Closing costs + prepaids$10,349.04
Total buyer cash needed$48,636.33
Remaining funds due$48,636.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$436.50
Prepaid interest, first (24 days)$1,037.54
Fees + prepaids$10,349.04
Your down payment is the seller’s equity. You take over the $226,713 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $48,636.33 is due at closing. Uses and sources reconcile at $275,349.04 each. Not a Closing Disclosure.