Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$44,943Cash toward the purchase price.
Closing costs + prepaids$9,852Not just lender fees.
Before credits & paid funds$54,795The complete starting cash picture.
Estimated remaining funds due at closing
$54,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,942.58
Your down payment$44,942.58
Closing costs + prepaids$9,852.23
Total buyer cash needed$54,794.80
Remaining funds due$54,794.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$335.50
Prepaid interest, first (29 days)$1,001.73
Fees + prepaids$9,852.23
Your down payment is the seller’s equity. You take over the $184,057 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $54,794.80 is due at closing. Uses and sources reconcile at $238,852.23 each. Not a Closing Disclosure.