Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$35,037Cash toward the purchase price.
Closing costs + prepaids$11,047Not just lender fees.
Before credits & paid funds$46,084The complete starting cash picture.
Estimated remaining funds due at closing
$46,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,037.32
Your down payment$35,037.32
Closing costs + prepaids$11,046.51
Total buyer cash needed$46,083.83
Remaining funds due$46,083.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$762.75
Initial HOA (3 months)$495.00
Prepaid interest, first (26 days)$1,013.76
Fees + prepaids$11,046.51
Your down payment is the seller’s equity. You take over the $219,963 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $46,083.83 is due at closing. Uses and sources reconcile at $266,046.51 each. Not a Closing Disclosure.