Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$60,098Cash toward the purchase price.
Closing costs + prepaids$9,981Not just lender fees.
Before credits & paid funds$70,078The complete starting cash picture.
Estimated remaining funds due at closing
$70,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,097.50
Your down payment$60,097.50
Closing costs + prepaids$9,980.63
Total buyer cash needed$70,078.14
Remaining funds due$70,078.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$205.50
Prepaid interest, first (29 days)$1,050.13
Fees + prepaids$9,980.63
Your down payment is the seller’s equity. You take over the $189,902 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $70,078.14 is due at closing. Uses and sources reconcile at $259,980.63 each. Not a Closing Disclosure.