Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,443Cash toward the purchase price.
Closing costs + prepaids$10,030Not just lender fees.
Before credits & paid funds$51,474The complete starting cash picture.
Estimated remaining funds due at closing
$51,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,443.34
Your down payment$41,443.34
Closing costs + prepaids$10,030.20
Total buyer cash needed$51,473.54
Remaining funds due$51,473.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$189.25
Prepaid interest, first (31 days)$1,216.95
Fees + prepaids$10,030.20
Your down payment is the seller’s equity. You take over the $198,457 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $51,473.54 is due at closing. Uses and sources reconcile at $249,930.20 each. Not a Closing Disclosure.