Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,122Cash toward the purchase price.
Closing costs + prepaids$10,311Not just lender fees.
Before credits & paid funds$77,433The complete starting cash picture.
Estimated remaining funds due at closing
$77,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,121.95
Your down payment$67,121.95
Closing costs + prepaids$10,311.01
Total buyer cash needed$77,432.96
Remaining funds due$77,432.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$377.00
Initial HOA (3 months)$888.00
Prepaid interest, first (23 days)$371.01
Fees + prepaids$10,311.01
Your down payment is the seller’s equity. You take over the $177,878 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $77,432.96 is due at closing. Uses and sources reconcile at $255,311.01 each. Not a Closing Disclosure.