Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$37,336Cash toward the purchase price.
Closing costs + prepaids$10,316Not just lender fees.
Before credits & paid funds$47,652The complete starting cash picture.
Estimated remaining funds due at closing
$47,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,336.19
Your down payment$37,336.19
Closing costs + prepaids$10,315.63
Total buyer cash needed$47,651.83
Remaining funds due$47,651.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.99
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)$454.50
Prepaid interest, first (30 days)$1,136.14
Fees + prepaids$10,315.63
Your down payment is the seller’s equity. You take over the $212,663 balance, so the rest of the $249,999 price is paid at closing. A second mortgage can cover part of it. $47,651.83 is due at closing. Uses and sources reconcile at $260,314.63 each. Not a Closing Disclosure.