Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,985Cash toward the purchase price.
Closing costs + prepaids$9,107Not just lender fees.
Before credits & paid funds$53,092The complete starting cash picture.
Estimated remaining funds due at closing
$53,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,984.76
Your down payment$43,984.76
Closing costs + prepaids$9,107.39
Total buyer cash needed$53,092.15
Remaining funds due$53,092.15
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)$391.50
Prepaid interest, first (2 days)$35.89
Fees + prepaids$9,107.39
Your down payment is the seller’s equity. You take over the $201,515 balance, so the rest of the $245,500 price is paid at closing. A second mortgage can cover part of it. $53,092.15 is due at closing. Uses and sources reconcile at $254,607.39 each. Not a Closing Disclosure.