Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,608Cash toward the purchase price.
Closing costs + prepaids$9,586Not just lender fees.
Before credits & paid funds$51,194The complete starting cash picture.
Estimated remaining funds due at closing
$51,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,608.03
Your down payment$41,608.03
Closing costs + prepaids$9,585.75
Total buyer cash needed$51,193.78
Remaining funds due$51,193.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$108.75
Prepaid interest, first (28 days)$902.00
Fees + prepaids$9,585.75
Your down payment is the seller’s equity. You take over the $193,392 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $51,193.78 is due at closing. Uses and sources reconcile at $244,585.75 each. Not a Closing Disclosure.