Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,744Cash toward the purchase price.
Closing costs + prepaids$9,426Not just lender fees.
Before credits & paid funds$51,170The complete starting cash picture.
Estimated remaining funds due at closing
$51,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,743.73
Your down payment$41,743.73
Closing costs + prepaids$9,426.13
Total buyer cash needed$51,169.86
Remaining funds due$51,169.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,455.00
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)$272.50
Initial HOA (3 months)$435.00
Prepaid interest, first (1 days)$38.63
Fees + prepaids$9,426.13
Your down payment is the seller’s equity. You take over the $203,756 balance, so the rest of the $245,500 price is paid at closing. A second mortgage can cover part of it. $51,169.86 is due at closing. Uses and sources reconcile at $254,926.13 each. Not a Closing Disclosure.