Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$61,652Cash toward the purchase price.
Closing costs + prepaids$9,545Not just lender fees.
Before credits & paid funds$71,196The complete starting cash picture.
Estimated remaining funds due at closing
$71,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,651.79
Your down payment$61,651.79
Closing costs + prepaids$9,544.64
Total buyer cash needed$71,196.43
Remaining funds due$71,196.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$336.00
Prepaid interest, first (10 days)$183.65
Fees + prepaids$9,544.64
Your down payment is the seller’s equity. You take over the $218,347 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $71,196.43 is due at closing. Uses and sources reconcile at $289,543.64 each. Not a Closing Disclosure.