Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$48,509Cash toward the purchase price.
Closing costs + prepaids$10,587Not just lender fees.
Before credits & paid funds$59,095The complete starting cash picture.
Estimated remaining funds due at closing
$59,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,508.64
Your down payment$48,508.64
Closing costs + prepaids$10,586.60
Total buyer cash needed$59,095.25
Remaining funds due$59,095.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,485.00
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 (27 days)$961.60
Fees + prepaids$10,586.60
Your down payment is the seller’s equity. You take over the $199,991 balance, so the rest of the $248,500 price is paid at closing. A second mortgage can cover part of it. $59,095.25 is due at closing. Uses and sources reconcile at $259,086.60 each. Not a Closing Disclosure.