Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$35,631Cash toward the purchase price.
Closing costs + prepaids$9,765Not just lender fees.
Before credits & paid funds$45,396The complete starting cash picture.
Estimated remaining funds due at closing
$45,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,630.79
Your down payment$35,630.79
Closing costs + prepaids$9,764.97
Total buyer cash needed$45,395.75
Remaining funds due$45,395.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$331.25
Prepaid interest, first (17 days)$558.72
Fees + prepaids$9,764.97
Your down payment is the seller’s equity. You take over the $229,369 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $45,395.75 is due at closing. Uses and sources reconcile at $274,764.97 each. Not a Closing Disclosure.