Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$72,002Cash toward the purchase price.
Closing costs + prepaids$10,246Not just lender fees.
Before credits & paid funds$82,248The complete starting cash picture.
Estimated remaining funds due at closing
$82,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,002.25
Your down payment$72,002.25
Closing costs + prepaids$10,246.16
Total buyer cash needed$82,248.41
Remaining funds due$82,248.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,525.00
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)$681.00
Prepaid interest, first (26 days)$815.16
Fees + prepaids$10,246.16
Your down payment is the seller’s equity. You take over the $180,498 balance, so the rest of the $252,500 price is paid at closing. A second mortgage can cover part of it. $82,248.41 is due at closing. Uses and sources reconcile at $262,746.16 each. Not a Closing Disclosure.