Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$54,427Cash toward the purchase price.
Closing costs + prepaids$9,768Not just lender fees.
Before credits & paid funds$64,195The complete starting cash picture.
Estimated remaining funds due at closing
$64,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,426.67
Your down payment$54,426.67
Closing costs + prepaids$9,768.33
Total buyer cash needed$64,195.00
Remaining funds due$64,195.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,459.00
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)$50.25
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$1,009.09
Fees + prepaids$9,768.33
Your down payment is the seller’s equity. You take over the $191,473 balance, so the rest of the $245,900 price is paid at closing. A second mortgage can cover part of it. $64,195.00 is due at closing. Uses and sources reconcile at $255,668.33 each. Not a Closing Disclosure.