Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$48,442Cash toward the purchase price.
Closing costs + prepaids$10,182Not just lender fees.
Before credits & paid funds$58,624The complete starting cash picture.
Estimated remaining funds due at closing
$58,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,441.70
Your down payment$48,441.70
Closing costs + prepaids$10,182.11
Total buyer cash needed$58,623.81
Remaining funds due$58,623.81
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)$780.00
Prepaid interest, first (5 days)$103.61
Fees + prepaids$10,182.11
Your down payment is the seller’s equity. You take over the $196,458 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $58,623.81 is due at closing. Uses and sources reconcile at $255,082.11 each. Not a Closing Disclosure.