Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,509Cash toward the purchase price.
Closing costs + prepaids$10,729Not just lender fees.
Before credits & paid funds$59,238The complete starting cash picture.
Estimated remaining funds due at closing
$59,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,508.64
Your down payment$48,508.64
Closing costs + prepaids$10,729.06
Total buyer cash needed$59,237.71
Remaining funds due$59,237.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,485.00
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)$141.00
Initial HOA (3 months)$774.00
Prepaid interest, first (31 days)$1,104.06
Fees + prepaids$10,729.06
Your down payment is the seller’s equity. You take over the $199,991 balance, so the rest of the $248,500 price is paid at closing. A second mortgage can cover part of it. $59,237.71 is due at closing. Uses and sources reconcile at $259,229.06 each. Not a Closing Disclosure.