Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$55,295Cash toward the purchase price.
Closing costs + prepaids$9,647Not just lender fees.
Before credits & paid funds$64,942The complete starting cash picture.
Estimated remaining funds due at closing
$64,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,295.27
Your down payment$55,295.27
Closing costs + prepaids$9,646.90
Total buyer cash needed$64,942.17
Remaining funds due$64,942.17
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)$312.50
Prepaid interest, first (17 days)$609.40
Fees + prepaids$9,646.90
Your down payment is the seller’s equity. You take over the $194,705 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $64,942.17 is due at closing. Uses and sources reconcile at $259,646.90 each. Not a Closing Disclosure.