Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$61,513Cash toward the purchase price.
Closing costs + prepaids$10,504Not just lender fees.
Before credits & paid funds$72,017The complete starting cash picture.
Estimated remaining funds due at closing
$72,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,512.87
Your down payment$61,512.87
Closing costs + prepaids$10,504.31
Total buyer cash needed$72,017.18
Remaining funds due$72,017.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$662.50
Prepaid interest, first (26 days)$966.81
Fees + prepaids$10,504.31
Your down payment is the seller’s equity. You take over the $203,487 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $72,017.18 is due at closing. Uses and sources reconcile at $275,504.31 each. Not a Closing Disclosure.