Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,629Cash toward the purchase price.
Closing costs + prepaids$10,171Not just lender fees.
Before credits & paid funds$45,799The complete starting cash picture.
Estimated remaining funds due at closing
$45,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,628.60
Your down payment$35,628.60
Closing costs + prepaids$10,170.70
Total buyer cash needed$45,799.30
Remaining funds due$45,799.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$392.75
Prepaid interest, first (27 days)$1,052.95
Fees + prepaids$10,170.70
Your down payment is the seller’s equity. You take over the $214,371 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $45,799.30 is due at closing. Uses and sources reconcile at $260,170.70 each. Not a Closing Disclosure.