Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$44,509Cash toward the purchase price.
Closing costs + prepaids$10,333Not just lender fees.
Before credits & paid funds$54,842The complete starting cash picture.
Estimated remaining funds due at closing
$54,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,508.64
Your down payment$44,508.64
Closing costs + prepaids$10,332.91
Total buyer cash needed$54,841.56
Remaining funds due$54,841.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,445.00
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 (21 days)$747.91
Fees + prepaids$10,332.91
Your down payment is the seller’s equity. You take over the $199,991 balance, so the rest of the $244,500 price is paid at closing. A second mortgage can cover part of it. $54,841.56 is due at closing. Uses and sources reconcile at $254,832.91 each. Not a Closing Disclosure.