Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$58,918Cash toward the purchase price.
Closing costs + prepaids$10,916Not just lender fees.
Before credits & paid funds$69,834The complete starting cash picture.
Estimated remaining funds due at closing
$69,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,918.21
Your down payment$58,918.21
Closing costs + prepaids$10,915.88
Total buyer cash needed$69,834.09
Remaining funds due$69,834.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$489.50
Initial HOA (3 months)$1,395.00
Prepaid interest, first (26 days)$407.38
Fees + prepaids$10,915.88
Your down payment is the seller’s equity. You take over the $180,982 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $69,834.09 is due at closing. Uses and sources reconcile at $250,815.88 each. Not a Closing Disclosure.