Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$49,408Cash toward the purchase price.
Closing costs + prepaids$10,582Not just lender fees.
Before credits & paid funds$59,990The complete starting cash picture.
Estimated remaining funds due at closing
$59,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,407.99
Your down payment$49,407.99
Closing costs + prepaids$10,581.67
Total buyer cash needed$59,989.66
Remaining funds due$59,989.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,480.00
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)$742.25
Prepaid interest, first (30 days)$1,134.42
Fees + prepaids$10,581.67
Your down payment is the seller’s equity. You take over the $198,592 balance, so the rest of the $248,000 price is paid at closing. A second mortgage can cover part of it. $59,989.66 is due at closing. Uses and sources reconcile at $258,581.67 each. Not a Closing Disclosure.