Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$38,628Cash toward the purchase price.
Closing costs + prepaids$9,622Not just lender fees.
Before credits & paid funds$48,250The complete starting cash picture.
Estimated remaining funds due at closing
$48,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,627.86
Your down payment$38,627.86
Closing costs + prepaids$9,622.26
Total buyer cash needed$48,250.11
Remaining funds due$48,250.11
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)$512.50
Prepaid interest, first (22 days)$384.76
Fees + prepaids$9,622.26
Your down payment is the seller’s equity. You take over the $211,372 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $48,250.11 is due at closing. Uses and sources reconcile at $259,622.26 each. Not a Closing Disclosure.