Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$41,553Cash toward the purchase price.
Closing costs + prepaids$10,341Not just lender fees.
Before credits & paid funds$51,894The complete starting cash picture.
Estimated remaining funds due at closing
$51,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,553.07
Your down payment$41,553.07
Closing costs + prepaids$10,340.80
Total buyer cash needed$51,893.87
Remaining funds due$51,893.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$624.50
Initial HOA (3 months)$975.00
Prepaid interest, first (4 days)$67.30
Fees + prepaids$10,340.80
Your down payment is the seller’s equity. You take over the $203,347 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $51,893.87 is due at closing. Uses and sources reconcile at $255,240.80 each. Not a Closing Disclosure.