Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,585Cash toward the purchase price.
Closing costs + prepaids$11,084Not just lender fees.
Before credits & paid funds$75,669The complete starting cash picture.
Estimated remaining funds due at closing
$75,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,585.18
Your down payment$64,585.18
Closing costs + prepaids$11,083.88
Total buyer cash needed$75,669.06
Remaining funds due$75,669.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,420.00
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)$1,227.00
Initial HOA (3 months)$789.00
Prepaid interest, first (30 days)$422.88
Fees + prepaids$11,083.88
Your down payment is the seller’s equity. You take over the $177,415 balance, so the rest of the $242,000 price is paid at closing. A second mortgage can cover part of it. $75,669.06 is due at closing. Uses and sources reconcile at $253,083.88 each. Not a Closing Disclosure.