Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,020Cash toward the purchase price.
Closing costs + prepaids$9,869Not just lender fees.
Before credits & paid funds$61,889The complete starting cash picture.
Estimated remaining funds due at closing
$61,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,020.09
Your down payment$52,020.09
Closing costs + prepaids$9,868.76
Total buyer cash needed$61,888.85
Remaining funds due$61,888.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,395.00
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)$569.00
Prepaid interest, first (26 days)$679.76
Fees + prepaids$9,868.76
Your down payment is the seller’s equity. You take over the $187,480 balance, so the rest of the $239,500 price is paid at closing. A second mortgage can cover part of it. $61,888.85 is due at closing. Uses and sources reconcile at $249,368.76 each. Not a Closing Disclosure.