Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$38,162Cash toward the purchase price.
Closing costs + prepaids$10,527Not just lender fees.
Before credits & paid funds$48,689The complete starting cash picture.
Estimated remaining funds due at closing
$48,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,161.73
Your down payment$38,161.73
Closing costs + prepaids$10,527.35
Total buyer cash needed$48,689.08
Remaining funds due$48,689.08
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)$586.00
Prepaid interest, first (29 days)$1,166.35
Fees + prepaids$10,527.35
Your down payment is the seller’s equity. You take over the $216,838 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $48,689.08 is due at closing. Uses and sources reconcile at $265,527.35 each. Not a Closing Disclosure.