Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,665Cash toward the purchase price.
Closing costs + prepaids$9,419Not just lender fees.
Before credits & paid funds$61,083The complete starting cash picture.
Estimated remaining funds due at closing
$61,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,664.71
Your down payment$51,664.71
Closing costs + prepaids$9,418.58
Total buyer cash needed$61,083.29
Remaining funds due$61,083.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$814.75
Prepaid interest, first (2 days)$28.83
Fees + prepaids$9,418.58
Your down payment is the seller’s equity. You take over the $183,335 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $61,083.29 is due at closing. Uses and sources reconcile at $244,418.58 each. Not a Closing Disclosure.