Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$44,615Cash toward the purchase price.
Closing costs + prepaids$9,597Not just lender fees.
Before credits & paid funds$54,212The complete starting cash picture.
Estimated remaining funds due at closing
$54,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,614.69
Your down payment$44,614.69
Closing costs + prepaids$9,597.37
Total buyer cash needed$54,212.06
Remaining funds due$54,212.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$471.75
Prepaid interest, first (16 days)$450.62
Fees + prepaids$9,597.37
Your down payment is the seller’s equity. You take over the $200,385 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $54,212.06 is due at closing. Uses and sources reconcile at $254,597.37 each. Not a Closing Disclosure.