Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$46,046Cash toward the purchase price.
Closing costs + prepaids$9,840Not just lender fees.
Before credits & paid funds$55,886The complete starting cash picture.
Estimated remaining funds due at closing
$55,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,045.85
Your down payment$46,045.85
Closing costs + prepaids$9,839.71
Total buyer cash needed$55,885.56
Remaining funds due$55,885.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$482.00
Prepaid interest, first (28 days)$882.71
Fees + prepaids$9,839.71
Your down payment is the seller’s equity. You take over the $178,954 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $55,885.56 is due at closing. Uses and sources reconcile at $234,839.71 each. Not a Closing Disclosure.