Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,989Cash toward the purchase price.
Closing costs + prepaids$9,085Not just lender fees.
Before credits & paid funds$63,074The complete starting cash picture.
Estimated remaining funds due at closing
$63,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,988.97
Your down payment$53,988.97
Closing costs + prepaids$9,085.21
Total buyer cash needed$63,074.18
Remaining funds due$63,074.18
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)$230.50
Prepaid interest, first (1 days)$39.71
Fees + prepaids$9,085.21
Your down payment is the seller’s equity. You take over the $205,011 balance, so the rest of the $259,000 price is paid at closing. A second mortgage can cover part of it. $63,074.18 is due at closing. Uses and sources reconcile at $268,085.21 each. Not a Closing Disclosure.