Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$62,921Cash toward the purchase price.
Closing costs + prepaids$9,826Not just lender fees.
Before credits & paid funds$72,747The complete starting cash picture.
Estimated remaining funds due at closing
$72,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,920.61
Your down payment$62,920.61
Closing costs + prepaids$9,826.10
Total buyer cash needed$72,746.71
Remaining funds due$72,746.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,420.00
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)$317.50
Prepaid interest, first (26 days)$863.60
Fees + prepaids$9,826.10
Your down payment is the seller’s equity. You take over the $179,079 balance, so the rest of the $242,000 price is paid at closing. A second mortgage can cover part of it. $72,746.71 is due at closing. Uses and sources reconcile at $251,826.10 each. Not a Closing Disclosure.