Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$39,640Cash toward the purchase price.
Closing costs + prepaids$9,297Not just lender fees.
Before credits & paid funds$48,937The complete starting cash picture.
Estimated remaining funds due at closing
$48,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,640.29
Your down payment$39,640.29
Closing costs + prepaids$9,296.95
Total buyer cash needed$48,937.24
Remaining funds due$48,937.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,665.00
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)$363.75
Prepaid interest, first (1 days)$43.20
Fees + prepaids$9,296.95
Your down payment is the seller’s equity. You take over the $226,860 balance, so the rest of the $266,500 price is paid at closing. A second mortgage can cover part of it. $48,937.24 is due at closing. Uses and sources reconcile at $275,796.95 each. Not a Closing Disclosure.