Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$68,434Cash toward the purchase price.
Closing costs + prepaids$9,513Not just lender fees.
Before credits & paid funds$77,947The complete starting cash picture.
Estimated remaining funds due at closing
$77,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,434.15
Your down payment$68,434.15
Closing costs + prepaids$9,513.00
Total buyer cash needed$77,947.15
Remaining funds due$77,947.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.90
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)$345.25
Prepaid interest, first (29 days)$442.85
Fees + prepaids$9,513.00
Your down payment is the seller’s equity. You take over the $181,556 balance, so the rest of the $249,990 price is paid at closing. A second mortgage can cover part of it. $77,947.15 is due at closing. Uses and sources reconcile at $259,503.00 each. Not a Closing Disclosure.