Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$61,947Cash toward the purchase price.
Closing costs + prepaids$9,933Not just lender fees.
Before credits & paid funds$71,880The complete starting cash picture.
Estimated remaining funds due at closing
$71,880No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,946.56
Your down payment$61,946.56
Closing costs + prepaids$9,932.94
Total buyer cash needed$71,879.50
Remaining funds due$71,879.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$587.50
Prepaid interest, first (25 days)$770.44
Fees + prepaids$9,932.94
Your down payment is the seller’s equity. You take over the $173,053 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $71,879.50 is due at closing. Uses and sources reconcile at $244,932.94 each. Not a Closing Disclosure.