Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$64,045Cash toward the purchase price.
Closing costs + prepaids$10,019Not just lender fees.
Before credits & paid funds$74,064The complete starting cash picture.
Estimated remaining funds due at closing
$74,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,044.58
Your down payment$64,044.58
Closing costs + prepaids$10,019.46
Total buyer cash needed$74,064.03
Remaining funds due$74,064.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,387.00
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)$612.75
Prepaid interest, first (24 days)$794.71
Fees + prepaids$10,019.46
Your down payment is the seller’s equity. You take over the $174,655 balance, so the rest of the $238,700 price is paid at closing. A second mortgage can cover part of it. $74,064.03 is due at closing. Uses and sources reconcile at $248,719.46 each. Not a Closing Disclosure.