Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$60,918Cash toward the purchase price.
Closing costs + prepaids$10,139Not just lender fees.
Before credits & paid funds$71,058The complete starting cash picture.
Estimated remaining funds due at closing
$71,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,918.49
Your down payment$60,918.49
Closing costs + prepaids$10,139.42
Total buyer cash needed$71,057.91
Remaining funds due$71,057.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,430.00
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)$607.50
Initial HOA (3 months)$12.51
Prepaid interest, first (24 days)$864.41
Fees + prepaids$10,139.42
Your down payment is the seller’s equity. You take over the $182,082 balance, so the rest of the $243,000 price is paid at closing. A second mortgage can cover part of it. $71,057.91 is due at closing. Uses and sources reconcile at $253,139.42 each. Not a Closing Disclosure.