Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$52,867Cash toward the purchase price.
Closing costs + prepaids$9,425Not just lender fees.
Before credits & paid funds$62,292The complete starting cash picture.
Estimated remaining funds due at closing
$62,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,867.43
Your down payment$52,867.43
Closing costs + prepaids$9,424.95
Total buyer cash needed$62,292.38
Remaining funds due$62,292.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$637.25
Prepaid interest, first (4 days)$63.70
Fees + prepaids$9,424.95
Your down payment is the seller’s equity. You take over the $197,033 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $62,292.38 is due at closing. Uses and sources reconcile at $259,324.95 each. Not a Closing Disclosure.