Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$53,759Cash toward the purchase price.
Closing costs + prepaids$9,544Not just lender fees.
Before credits & paid funds$63,303The complete starting cash picture.
Estimated remaining funds due at closing
$63,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,758.63
Your down payment$53,758.63
Closing costs + prepaids$9,544.39
Total buyer cash needed$63,303.01
Remaining funds due$63,303.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$368.00
Prepaid interest, first (25 days)$701.39
Fees + prepaids$9,544.39
Your down payment is the seller’s equity. You take over the $171,241 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $63,303.01 is due at closing. Uses and sources reconcile at $234,544.39 each. Not a Closing Disclosure.