Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$66,100Cash toward the purchase price.
Closing costs + prepaids$10,145Not just lender fees.
Before credits & paid funds$76,245The complete starting cash picture.
Estimated remaining funds due at closing
$76,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,099.71
Your down payment$66,099.71
Closing costs + prepaids$10,145.04
Total buyer cash needed$76,244.75
Remaining funds due$76,244.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,479.00
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)$297.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (6 days)$93.54
Fees + prepaids$10,145.04
Your down payment is the seller’s equity. You take over the $181,800 balance, so the rest of the $247,900 price is paid at closing. A second mortgage can cover part of it. $76,244.75 is due at closing. Uses and sources reconcile at $258,045.04 each. Not a Closing Disclosure.