Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$64,927Cash toward the purchase price.
Closing costs + prepaids$10,954Not just lender fees.
Before credits & paid funds$75,881The complete starting cash picture.
Estimated remaining funds due at closing
$75,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,927.05
Your down payment$64,927.05
Closing costs + prepaids$10,954.18
Total buyer cash needed$75,881.23
Remaining funds due$75,881.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$785.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (26 days)$394.18
Fees + prepaids$10,954.18
Your down payment is the seller’s equity. You take over the $185,073 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $75,881.23 is due at closing. Uses and sources reconcile at $260,954.18 each. Not a Closing Disclosure.