Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$4,432Cash toward the purchase price.
Closing costs + prepaids$10,730Not just lender fees.
Before credits & paid funds$15,162The complete starting cash picture.
Estimated remaining funds due at closing
$15,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,432.23
Your down payment$4,432.23
Closing costs + prepaids$10,729.70
Total buyer cash needed$15,161.93
Remaining funds due$15,161.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$805.00
Prepaid interest, first (28 days)$1,250.70
Fees + prepaids$10,729.70
Your down payment is the seller’s equity. You take over the $240,468 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $15,161.93 is due at closing. Uses and sources reconcile at $255,629.70 each. Not a Closing Disclosure.