Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$68,099Cash toward the purchase price.
Closing costs + prepaids$10,026Not just lender fees.
Before credits & paid funds$78,125The complete starting cash picture.
Estimated remaining funds due at closing
$78,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,099.17
Your down payment$68,099.17
Closing costs + prepaids$10,026.01
Total buyer cash needed$78,125.17
Remaining funds due$78,125.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.99
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)$727.00
Prepaid interest, first (23 days)$474.02
Fees + prepaids$10,026.01
Your down payment is the seller’s equity. You take over the $191,900 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $78,125.17 is due at closing. Uses and sources reconcile at $270,025.01 each. Not a Closing Disclosure.