Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,864Cash toward the purchase price.
Closing costs + prepaids$10,833Not just lender fees.
Before credits & paid funds$47,697The complete starting cash picture.
Estimated remaining funds due at closing
$47,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,864.32
Your down payment$36,864.32
Closing costs + prepaids$10,832.71
Total buyer cash needed$47,697.03
Remaining funds due$47,697.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,530.00
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)$905.25
Prepaid interest, first (30 days)$1,172.46
Fees + prepaids$10,832.71
Your down payment is the seller’s equity. You take over the $216,136 balance, so the rest of the $253,000 price is paid at closing. A second mortgage can cover part of it. $47,697.03 is due at closing. Uses and sources reconcile at $263,832.71 each. Not a Closing Disclosure.