Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,436Cash toward the purchase price.
Closing costs + prepaids$9,881Not just lender fees.
Before credits & paid funds$65,317The complete starting cash picture.
Estimated remaining funds due at closing
$65,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,436.04
Your down payment$55,436.04
Closing costs + prepaids$9,880.59
Total buyer cash needed$65,316.63
Remaining funds due$65,316.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.99
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)$464.25
Prepaid interest, first (25 days)$791.35
Fees + prepaids$9,880.59
Your down payment is the seller’s equity. You take over the $184,563 balance, so the rest of the $239,999 price is paid at closing. A second mortgage can cover part of it. $65,316.63 is due at closing. Uses and sources reconcile at $249,879.59 each. Not a Closing Disclosure.