Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,421Cash toward the purchase price.
Closing costs + prepaids$10,139Not just lender fees.
Before credits & paid funds$42,560The complete starting cash picture.
Estimated remaining funds due at closing
$42,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,420.95
Your down payment$32,420.95
Closing costs + prepaids$10,138.95
Total buyer cash needed$42,559.90
Remaining funds due$42,559.90
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)$437.25
Prepaid interest, first (26 days)$1,027.70
Fees + prepaids$10,138.95
Your down payment is the seller’s equity. You take over the $212,479 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $42,559.90 is due at closing. Uses and sources reconcile at $255,038.95 each. Not a Closing Disclosure.