Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$41,251Cash toward the purchase price.
Closing costs + prepaids$9,757Not just lender fees.
Before credits & paid funds$51,008The complete starting cash picture.
Estimated remaining funds due at closing
$51,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,250.92
Your down payment$41,250.92
Closing costs + prepaids$9,756.59
Total buyer cash needed$51,007.51
Remaining funds due$51,007.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$175.00
Prepaid interest, first (21 days)$807.59
Fees + prepaids$9,756.59
Your down payment is the seller’s equity. You take over the $213,649 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $51,007.51 is due at closing. Uses and sources reconcile at $264,656.59 each. Not a Closing Disclosure.