Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$52,805Cash toward the purchase price.
Closing costs + prepaids$9,759Not just lender fees.
Before credits & paid funds$62,564The complete starting cash picture.
Estimated remaining funds due at closing
$62,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,805.19
Your down payment$52,805.19
Closing costs + prepaids$9,758.98
Total buyer cash needed$62,564.18
Remaining funds due$62,564.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,340.00
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)$233.75
Prepaid interest, first (29 days)$960.23
Fees + prepaids$9,758.98
Your down payment is the seller’s equity. You take over the $181,195 balance, so the rest of the $234,000 price is paid at closing. A second mortgage can cover part of it. $62,564.18 is due at closing. Uses and sources reconcile at $243,758.98 each. Not a Closing Disclosure.