Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,473Cash toward the purchase price.
Closing costs + prepaids$10,532Not just lender fees.
Before credits & paid funds$45,005The complete starting cash picture.
Estimated remaining funds due at closing
$45,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,473.09
Your down payment$34,473.09
Closing costs + prepaids$10,532.30
Total buyer cash needed$45,005.40
Remaining funds due$45,005.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$1,739.25
Prepaid interest, first (2 days)$78.05
Fees + prepaids$10,532.30
Your down payment is the seller’s equity. You take over the $214,527 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $45,005.40 is due at closing. Uses and sources reconcile at $259,532.30 each. Not a Closing Disclosure.