Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,935Cash toward the purchase price.
Closing costs + prepaids$10,507Not just lender fees.
Before credits & paid funds$37,441The complete starting cash picture.
Estimated remaining funds due at closing
$37,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,934.50
Your down payment$26,934.50
Closing costs + prepaids$10,506.57
Total buyer cash needed$37,441.07
Remaining funds due$37,441.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$605.50
Prepaid interest, first (31 days)$1,226.07
Fees + prepaids$10,506.57
Your down payment is the seller’s equity. You take over the $218,065 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $37,441.07 is due at closing. Uses and sources reconcile at $255,506.57 each. Not a Closing Disclosure.