Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,304Cash toward the purchase price.
Closing costs + prepaids$10,163Not just lender fees.
Before credits & paid funds$44,467The complete starting cash picture.
Estimated remaining funds due at closing
$44,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,304.22
Your down payment$34,304.22
Closing costs + prepaids$10,163.11
Total buyer cash needed$44,467.33
Remaining funds due$44,467.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$166.50
Prepaid interest, first (31 days)$1,272.61
Fees + prepaids$10,163.11
Your down payment is the seller’s equity. You take over the $215,596 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $44,467.33 is due at closing. Uses and sources reconcile at $260,063.11 each. Not a Closing Disclosure.