Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$69,801Cash toward the purchase price.
Closing costs + prepaids$9,909Not just lender fees.
Before credits & paid funds$79,710The complete starting cash picture.
Estimated remaining funds due at closing
$79,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,801.36
Your down payment$69,801.36
Closing costs + prepaids$9,908.69
Total buyer cash needed$79,710.05
Remaining funds due$79,710.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$584.50
Prepaid interest, first (25 days)$649.19
Fees + prepaids$9,908.69
Your down payment is the seller’s equity. You take over the $175,199 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $79,710.05 is due at closing. Uses and sources reconcile at $254,908.69 each. Not a Closing Disclosure.