Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$49,047Cash toward the purchase price.
Closing costs + prepaids$10,382Not just lender fees.
Before credits & paid funds$59,429The complete starting cash picture.
Estimated remaining funds due at closing
$59,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,047.08
Your down payment$49,047.08
Closing costs + prepaids$10,381.60
Total buyer cash needed$59,428.68
Remaining funds due$59,428.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$348.75
Prepaid interest, first (31 days)$1,058.85
Fees + prepaids$10,381.60
Your down payment is the seller’s equity. You take over the $225,853 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $59,428.68 is due at closing. Uses and sources reconcile at $285,281.60 each. Not a Closing Disclosure.