Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$69,854Cash toward the purchase price.
Closing costs + prepaids$9,997Not just lender fees.
Before credits & paid funds$79,851The complete starting cash picture.
Estimated remaining funds due at closing
$79,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,853.79
Your down payment$69,853.79
Closing costs + prepaids$9,997.31
Total buyer cash needed$79,851.10
Remaining funds due$79,851.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$963.00
Prepaid interest, first (26 days)$359.31
Fees + prepaids$9,997.31
Your down payment is the seller’s equity. You take over the $175,146 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $79,851.10 is due at closing. Uses and sources reconcile at $254,997.31 each. Not a Closing Disclosure.