Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,570Cash toward the purchase price.
Closing costs + prepaids$9,661Not just lender fees.
Before credits & paid funds$49,231The complete starting cash picture.
Estimated remaining funds due at closing
$49,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,569.92
Your down payment$39,569.92
Closing costs + prepaids$9,661.37
Total buyer cash needed$49,231.29
Remaining funds due$49,231.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
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)$139.75
Prepaid interest, first (18 days)$446.62
Fees + prepaids$9,661.37
Your down payment is the seller’s equity. You take over the $245,430 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $49,231.29 is due at closing. Uses and sources reconcile at $294,661.37 each. Not a Closing Disclosure.