Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$63,287Cash toward the purchase price.
Closing costs + prepaids$10,729Not just lender fees.
Before credits & paid funds$74,017The complete starting cash picture.
Estimated remaining funds due at closing
$74,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,287.49
Your down payment$63,287.49
Closing costs + prepaids$10,729.38
Total buyer cash needed$74,016.87
Remaining funds due$74,016.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$1,380.00
Prepaid interest, first (29 days)$474.38
Fees + prepaids$10,729.38
Your down payment is the seller’s equity. You take over the $201,713 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $74,016.87 is due at closing. Uses and sources reconcile at $275,729.38 each. Not a Closing Disclosure.