Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,867Cash toward the purchase price.
Closing costs + prepaids$10,592Not just lender fees.
Before credits & paid funds$50,458The complete starting cash picture.
Estimated remaining funds due at closing
$50,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,866.73
Your down payment$39,866.73
Closing costs + prepaids$10,591.51
Total buyer cash needed$50,458.24
Remaining funds due$50,458.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,665.00
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)$363.75
Prepaid interest, first (31 days)$1,337.76
Fees + prepaids$10,591.51
Your down payment is the seller’s equity. You take over the $226,633 balance, so the rest of the $266,500 price is paid at closing. A second mortgage can cover part of it. $50,458.24 is due at closing. Uses and sources reconcile at $277,091.51 each. Not a Closing Disclosure.