Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$58,665Cash toward the purchase price.
Closing costs + prepaids$10,248Not just lender fees.
Before credits & paid funds$68,913The complete starting cash picture.
Estimated remaining funds due at closing
$68,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,664.71
Your down payment$58,664.71
Closing costs + prepaids$10,248.22
Total buyer cash needed$68,912.93
Remaining funds due$68,912.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,340.00
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)$1,070.75
Prepaid interest, first (25 days)$612.47
Fees + prepaids$10,248.22
Your down payment is the seller’s equity. You take over the $175,335 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $68,912.93 is due at closing. Uses and sources reconcile at $244,248.22 each. Not a Closing Disclosure.