Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,172Cash toward the purchase price.
Closing costs + prepaids$9,683Not just lender fees.
Before credits & paid funds$60,855The complete starting cash picture.
Estimated remaining funds due at closing
$60,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,171.54
Your down payment$51,171.54
Closing costs + prepaids$9,682.97
Total buyer cash needed$60,854.52
Remaining funds due$60,854.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.99
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)$208.00
Prepaid interest, first (31 days)$849.98
Fees + prepaids$9,682.97
Your down payment is the seller’s equity. You take over the $188,827 balance, so the rest of the $239,999 price is paid at closing. A second mortgage can cover part of it. $60,854.52 is due at closing. Uses and sources reconcile at $249,681.97 each. Not a Closing Disclosure.