Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,921Cash toward the purchase price.
Closing costs + prepaids$10,317Not just lender fees.
Before credits & paid funds$62,239The complete starting cash picture.
Estimated remaining funds due at closing
$62,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,921.43
Your down payment$51,921.43
Closing costs + prepaids$10,317.08
Total buyer cash needed$62,238.51
Remaining funds due$62,238.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,655.00
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)$663.75
Prepaid interest, first (28 days)$773.33
Fees + prepaids$10,317.08
Your down payment is the seller’s equity. You take over the $213,579 balance, so the rest of the $265,500 price is paid at closing. A second mortgage can cover part of it. $62,238.51 is due at closing. Uses and sources reconcile at $275,817.08 each. Not a Closing Disclosure.