Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$46,238Cash toward the purchase price.
Closing costs + prepaids$9,573Not just lender fees.
Before credits & paid funds$55,811The complete starting cash picture.
Estimated remaining funds due at closing
$55,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,238.01
Your down payment$46,238.01
Closing costs + prepaids$9,572.58
Total buyer cash needed$55,810.58
Remaining funds due$55,810.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,620.00
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)$327.50
Prepaid interest, first (18 days)$400.08
Fees + prepaids$9,572.58
Your down payment is the seller’s equity. You take over the $215,762 balance, so the rest of the $262,000 price is paid at closing. A second mortgage can cover part of it. $55,810.58 is due at closing. Uses and sources reconcile at $271,572.58 each. Not a Closing Disclosure.