Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$59,349Cash toward the purchase price.
Closing costs + prepaids$9,249Not just lender fees.
Before credits & paid funds$68,598The complete starting cash picture.
Estimated remaining funds due at closing
$68,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,349.23
Your down payment$59,349.23
Closing costs + prepaids$9,248.93
Total buyer cash needed$68,598.16
Remaining funds due$68,598.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,325.00
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)$165.25
Prepaid interest, first (18 days)$533.68
Fees + prepaids$9,248.93
Your down payment is the seller’s equity. You take over the $173,151 balance, so the rest of the $232,500 price is paid at closing. A second mortgage can cover part of it. $68,598.16 is due at closing. Uses and sources reconcile at $241,748.93 each. Not a Closing Disclosure.