Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$48,853Cash toward the purchase price.
Closing costs + prepaids$9,525Not just lender fees.
Before credits & paid funds$58,379The complete starting cash picture.
Estimated remaining funds due at closing
$58,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,853.44
Your down payment$48,853.44
Closing costs + prepaids$9,525.32
Total buyer cash needed$58,378.76
Remaining funds due$58,378.76
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)$767.50
Prepaid interest, first (2 days)$33.82
Fees + prepaids$9,525.32
Your down payment is the seller’s equity. You take over the $201,047 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $58,378.76 is due at closing. Uses and sources reconcile at $259,425.32 each. Not a Closing Disclosure.