Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$63,926Cash toward the purchase price.
Closing costs + prepaids$9,960Not just lender fees.
Before credits & paid funds$73,886The complete starting cash picture.
Estimated remaining funds due at closing
$73,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,926.09
Your down payment$63,926.09
Closing costs + prepaids$9,960.22
Total buyer cash needed$73,886.31
Remaining funds due$73,886.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,557.00
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)$508.75
Prepaid interest, first (23 days)$669.47
Fees + prepaids$9,960.22
Your down payment is the seller’s equity. You take over the $191,774 balance, so the rest of the $255,700 price is paid at closing. A second mortgage can cover part of it. $73,886.31 is due at closing. Uses and sources reconcile at $265,660.22 each. Not a Closing Disclosure.