Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$45,219Cash toward the purchase price.
Closing costs + prepaids$10,247Not just lender fees.
Before credits & paid funds$55,466The complete starting cash picture.
Estimated remaining funds due at closing
$55,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,219.50
Your down payment$45,219.50
Closing costs + prepaids$10,246.87
Total buyer cash needed$55,466.37
Remaining funds due$55,466.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.99
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)$963.50
Initial HOA (3 months)$162.51
Prepaid interest, first (24 days)$395.87
Fees + prepaids$10,246.87
Your down payment is the seller’s equity. You take over the $204,780 balance, so the rest of the $249,999 price is paid at closing. A second mortgage can cover part of it. $55,466.37 is due at closing. Uses and sources reconcile at $260,245.87 each. Not a Closing Disclosure.