Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$49,858Cash toward the purchase price.
Closing costs + prepaids$9,871Not just lender fees.
Before credits & paid funds$59,729The complete starting cash picture.
Estimated remaining funds due at closing
$59,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,858.14
Your down payment$49,858.14
Closing costs + prepaids$9,871.06
Total buyer cash needed$59,729.20
Remaining funds due$59,729.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,134.23
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)$256.00
Initial HOA (3 months)$1,152.00
Prepaid interest, first (7 days)$103.83
Fees + prepaids$9,871.06
Your down payment is the seller’s equity. You take over the $163,565 balance, so the rest of the $213,423 price is paid at closing. A second mortgage can cover part of it. $59,729.20 is due at closing. Uses and sources reconcile at $223,294.06 each. Not a Closing Disclosure.