Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$45,144Cash toward the purchase price.
Closing costs + prepaids$9,816Not just lender fees.
Before credits & paid funds$54,960The complete starting cash picture.
Estimated remaining funds due at closing
$54,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,144.29
Your down payment$45,144.29
Closing costs + prepaids$9,816.16
Total buyer cash needed$54,960.45
Remaining funds due$54,960.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$126.75
Initial HOA (3 months)$57.51
Prepaid interest, first (27 days)$856.90
Fees + prepaids$9,816.16
Your down payment is the seller’s equity. You take over the $209,856 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $54,960.45 is due at closing. Uses and sources reconcile at $264,816.16 each. Not a Closing Disclosure.