Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,362Cash toward the purchase price.
Closing costs + prepaids$10,135Not just lender fees.
Before credits & paid funds$62,496The complete starting cash picture.
Estimated remaining funds due at closing
$62,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,361.81
Your down payment$52,361.81
Closing costs + prepaids$10,134.62
Total buyer cash needed$62,496.43
Remaining funds due$62,496.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,540.00
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)$432.25
Prepaid interest, first (24 days)$937.37
Fees + prepaids$10,134.62
Your down payment is the seller’s equity. You take over the $201,638 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $62,496.43 is due at closing. Uses and sources reconcile at $264,134.62 each. Not a Closing Disclosure.