Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$41,855Cash toward the purchase price.
Closing costs + prepaids$9,606Not just lender fees.
Before credits & paid funds$51,461The complete starting cash picture.
Estimated remaining funds due at closing
$51,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,854.79
Your down payment$41,854.79
Closing costs + prepaids$9,606.20
Total buyer cash needed$51,460.99
Remaining funds due$51,460.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,775.00
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)$333.00
Initial HOA (3 months)$75.00
Prepaid interest, first (10 days)$198.20
Fees + prepaids$9,606.20
Your down payment is the seller’s equity. You take over the $235,645 balance, so the rest of the $277,500 price is paid at closing. A second mortgage can cover part of it. $51,460.99 is due at closing. Uses and sources reconcile at $287,106.20 each. Not a Closing Disclosure.