Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,835Cash toward the purchase price.
Closing costs + prepaids$9,856Not just lender fees.
Before credits & paid funds$85,691The complete starting cash picture.
Estimated remaining funds due at closing
$85,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,834.91
Your down payment$75,834.91
Closing costs + prepaids$9,856.26
Total buyer cash needed$85,691.17
Remaining funds due$85,691.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$689.50
Prepaid interest, first (25 days)$542.76
Fees + prepaids$9,856.26
Your down payment is the seller’s equity. You take over the $164,065 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $85,691.17 is due at closing. Uses and sources reconcile at $249,756.26 each. Not a Closing Disclosure.