Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$45,479Cash toward the purchase price.
Closing costs + prepaids$9,580Not just lender fees.
Before credits & paid funds$55,059The complete starting cash picture.
Estimated remaining funds due at closing
$55,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,479.00
Your down payment$45,479.00
Closing costs + prepaids$9,579.93
Total buyer cash needed$55,058.93
Remaining funds due$55,058.93
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)$306.25
Prepaid interest, first (16 days)$599.68
Fees + prepaids$9,579.93
Your down payment is the seller’s equity. You take over the $199,421 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $55,058.93 is due at closing. Uses and sources reconcile at $254,479.93 each. Not a Closing Disclosure.