Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$38,270Cash toward the purchase price.
Closing costs + prepaids$10,064Not just lender fees.
Before credits & paid funds$48,334The complete starting cash picture.
Estimated remaining funds due at closing
$48,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,269.58
Your down payment$38,269.58
Closing costs + prepaids$10,064.28
Total buyer cash needed$48,333.85
Remaining funds due$48,333.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$586.00
Prepaid interest, first (18 days)$703.28
Fees + prepaids$10,064.28
Your down payment is the seller’s equity. You take over the $216,730 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $48,333.85 is due at closing. Uses and sources reconcile at $265,064.28 each. Not a Closing Disclosure.