Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$56,416Cash toward the purchase price.
Closing costs + prepaids$10,169Not just lender fees.
Before credits & paid funds$66,585The complete starting cash picture.
Estimated remaining funds due at closing
$66,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,416.02
Your down payment$56,416.02
Closing costs + prepaids$10,168.71
Total buyer cash needed$66,584.73
Remaining funds due$66,584.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,460.00
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)$615.00
Prepaid interest, first (25 days)$868.71
Fees + prepaids$10,168.71
Your down payment is the seller’s equity. You take over the $189,584 balance, so the rest of the $246,000 price is paid at closing. A second mortgage can cover part of it. $66,584.73 is due at closing. Uses and sources reconcile at $256,168.71 each. Not a Closing Disclosure.