Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,646Cash toward the purchase price.
Closing costs + prepaids$9,266Not just lender fees.
Before credits & paid funds$61,911The complete starting cash picture.
Estimated remaining funds due at closing
$61,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,645.61
Your down payment$52,645.61
Closing costs + prepaids$9,265.53
Total buyer cash needed$61,911.15
Remaining funds due$61,911.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,319.00
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)$654.25
Prepaid interest, first (2 days)$67.28
Fees + prepaids$9,265.53
Your down payment is the seller’s equity. You take over the $179,254 balance, so the rest of the $231,900 price is paid at closing. A second mortgage can cover part of it. $61,911.15 is due at closing. Uses and sources reconcile at $241,165.53 each. Not a Closing Disclosure.