Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,321Cash toward the purchase price.
Closing costs + prepaids$9,661Not just lender fees.
Before credits & paid funds$57,981The complete starting cash picture.
Estimated remaining funds due at closing
$57,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,320.68
Your down payment$48,320.68
Closing costs + prepaids$9,660.65
Total buyer cash needed$57,981.33
Remaining funds due$57,981.33
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 (1 days)$35.65
Fees + prepaids$9,660.65
Your down payment is the seller’s equity. You take over the $200,179 balance, so the rest of the $248,500 price is paid at closing. A second mortgage can cover part of it. $57,981.33 is due at closing. Uses and sources reconcile at $258,160.65 each. Not a Closing Disclosure.