Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,618Cash toward the purchase price.
Closing costs + prepaids$10,601Not just lender fees.
Before credits & paid funds$64,219The complete starting cash picture.
Estimated remaining funds due at closing
$64,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,618.04
Your down payment$53,618.04
Closing costs + prepaids$10,601.25
Total buyer cash needed$64,219.29
Remaining funds due$64,219.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$1,657.00
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$369.24
Fees + prepaids$10,601.25
Your down payment is the seller’s equity. You take over the $176,382 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $64,219.29 is due at closing. Uses and sources reconcile at $240,601.25 each. Not a Closing Disclosure.