Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$59,108Cash toward the purchase price.
Closing costs + prepaids$10,632Not just lender fees.
Before credits & paid funds$69,740The complete starting cash picture.
Estimated remaining funds due at closing
$69,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,107.83
Your down payment$59,107.83
Closing costs + prepaids$10,631.80
Total buyer cash needed$69,739.63
Remaining funds due$69,739.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$636.75
Initial HOA (3 months)$1,137.00
Prepaid interest, first (28 days)$383.05
Fees + prepaids$10,631.80
Your down payment is the seller’s equity. You take over the $165,892 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $69,739.63 is due at closing. Uses and sources reconcile at $235,631.80 each. Not a Closing Disclosure.