Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$50,147Cash toward the purchase price.
Closing costs + prepaids$9,428Not just lender fees.
Before credits & paid funds$59,574The complete starting cash picture.
Estimated remaining funds due at closing
$59,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,146.64
Your down payment$50,146.64
Closing costs + prepaids$9,427.77
Total buyer cash needed$59,574.41
Remaining funds due$59,574.41
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)$637.50
Prepaid interest, first (4 days)$65.27
Fees + prepaids$9,427.77
Your down payment is the seller’s equity. You take over the $199,853 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $59,574.41 is due at closing. Uses and sources reconcile at $259,427.77 each. Not a Closing Disclosure.