Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$55,540Cash toward the purchase price.
Closing costs + prepaids$9,420Not just lender fees.
Before credits & paid funds$64,959The complete starting cash picture.
Estimated remaining funds due at closing
$64,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,539.85
Your down payment$55,539.85
Closing costs + prepaids$9,419.58
Total buyer cash needed$64,959.43
Remaining funds due$64,959.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,295.00
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)$251.50
Prepaid interest, first (26 days)$648.08
Fees + prepaids$9,419.58
Your down payment is the seller’s equity. You take over the $173,960 balance, so the rest of the $229,500 price is paid at closing. A second mortgage can cover part of it. $64,959.43 is due at closing. Uses and sources reconcile at $238,919.58 each. Not a Closing Disclosure.