Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,502Cash toward the purchase price.
Closing costs + prepaids$9,458Not just lender fees.
Before credits & paid funds$68,960The complete starting cash picture.
Estimated remaining funds due at closing
$68,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,502.26
Your down payment$59,502.26
Closing costs + prepaids$9,458.15
Total buyer cash needed$68,960.41
Remaining funds due$68,960.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,590.00
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)$610.25
Prepaid interest, first (2 days)$32.90
Fees + prepaids$9,458.15
Your down payment is the seller’s equity. You take over the $199,498 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $68,960.41 is due at closing. Uses and sources reconcile at $268,458.15 each. Not a Closing Disclosure.