Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$54,427Cash toward the purchase price.
Closing costs + prepaids$9,629Not just lender fees.
Before credits & paid funds$64,056The complete starting cash picture.
Estimated remaining funds due at closing
$64,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,426.67
Your down payment$54,426.67
Closing costs + prepaids$9,629.15
Total buyer cash needed$64,055.82
Remaining funds due$64,055.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,459.00
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)$307.50
Initial HOA (3 months)$24.99
Prepaid interest, first (17 days)$612.66
Fees + prepaids$9,629.15
Your down payment is the seller’s equity. You take over the $191,473 balance, so the rest of the $245,900 price is paid at closing. A second mortgage can cover part of it. $64,055.82 is due at closing. Uses and sources reconcile at $255,529.15 each. Not a Closing Disclosure.