Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$44,611Cash toward the purchase price.
Closing costs + prepaids$9,528Not just lender fees.
Before credits & paid funds$54,139The complete starting cash picture.
Estimated remaining funds due at closing
$54,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,610.93
Your down payment$44,610.93
Closing costs + prepaids$9,527.99
Total buyer cash needed$54,138.92
Remaining funds due$54,138.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$650.00
Prepaid interest, first (5 days)$103.99
Fees + prepaids$9,527.99
Your down payment is the seller’s equity. You take over the $210,289 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $54,138.92 is due at closing. Uses and sources reconcile at $264,427.99 each. Not a Closing Disclosure.