Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$61,583Cash toward the purchase price.
Closing costs + prepaids$9,983Not just lender fees.
Before credits & paid funds$71,567The complete starting cash picture.
Estimated remaining funds due at closing
$71,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,583.02
Your down payment$61,583.02
Closing costs + prepaids$9,983.49
Total buyer cash needed$71,566.51
Remaining funds due$71,566.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$235.25
Prepaid interest, first (28 days)$1,024.24
Fees + prepaids$9,983.49
Your down payment is the seller’s equity. You take over the $188,317 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $71,566.51 is due at closing. Uses and sources reconcile at $259,883.49 each. Not a Closing Disclosure.