Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$51,921Cash toward the purchase price.
Closing costs + prepaids$10,041Not just lender fees.
Before credits & paid funds$61,962The complete starting cash picture.
Estimated remaining funds due at closing
$61,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,921.43
Your down payment$51,921.43
Closing costs + prepaids$10,040.89
Total buyer cash needed$61,962.32
Remaining funds due$61,962.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,655.00
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)$663.75
Prepaid interest, first (18 days)$497.14
Fees + prepaids$10,040.89
Your down payment is the seller’s equity. You take over the $213,579 balance, so the rest of the $265,500 price is paid at closing. A second mortgage can cover part of it. $61,962.32 is due at closing. Uses and sources reconcile at $275,540.89 each. Not a Closing Disclosure.