Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$59,597Cash toward the purchase price.
Closing costs + prepaids$9,681Not just lender fees.
Before credits & paid funds$69,278The complete starting cash picture.
Estimated remaining funds due at closing
$69,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,597.23
Your down payment$59,597.23
Closing costs + prepaids$9,680.53
Total buyer cash needed$69,277.76
Remaining funds due$69,277.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$827.00
Prepaid interest, first (18 days)$278.53
Fees + prepaids$9,680.53
Your down payment is the seller’s equity. You take over the $175,403 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $69,277.76 is due at closing. Uses and sources reconcile at $244,680.53 each. Not a Closing Disclosure.