Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,179Cash toward the purchase price.
Closing costs + prepaids$9,494Not just lender fees.
Before credits & paid funds$62,673The complete starting cash picture.
Estimated remaining funds due at closing
$62,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,179.38
Your down payment$53,179.38
Closing costs + prepaids$9,493.70
Total buyer cash needed$62,673.08
Remaining funds due$62,673.08
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)$592.00
Prepaid interest, first (27 days)$376.70
Fees + prepaids$9,493.70
Your down payment is the seller’s equity. You take over the $176,821 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $62,673.08 is due at closing. Uses and sources reconcile at $239,493.70 each. Not a Closing Disclosure.