Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$70,215Cash toward the purchase price.
Closing costs + prepaids$9,582Not just lender fees.
Before credits & paid funds$79,797The complete starting cash picture.
Estimated remaining funds due at closing
$79,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,214.94
Your down payment$70,214.94
Closing costs + prepaids$9,581.99
Total buyer cash needed$79,796.93
Remaining funds due$79,796.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,459.00
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)$124.25
Prepaid interest, first (25 days)$773.74
Fees + prepaids$9,581.99
Your down payment is the seller’s equity. You take over the $175,685 balance, so the rest of the $245,900 price is paid at closing. A second mortgage can cover part of it. $79,796.93 is due at closing. Uses and sources reconcile at $255,481.99 each. Not a Closing Disclosure.