Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$66,541Cash toward the purchase price.
Closing costs + prepaids$9,038Not just lender fees.
Before credits & paid funds$75,579The complete starting cash picture.
Estimated remaining funds due at closing
$75,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,540.89
Your down payment$66,540.89
Closing costs + prepaids$9,037.84
Total buyer cash needed$75,578.73
Remaining funds due$75,578.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$132.50
Prepaid interest, first (2 days)$30.34
Fees + prepaids$9,037.84
Your down payment is the seller’s equity. You take over the $198,459 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $75,578.73 is due at closing. Uses and sources reconcile at $274,037.84 each. Not a Closing Disclosure.