Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$70,623Cash toward the purchase price.
Closing costs + prepaids$8,992Not just lender fees.
Before credits & paid funds$79,615The complete starting cash picture.
Estimated remaining funds due at closing
$79,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,623.20
Your down payment$70,623.20
Closing costs + prepaids$8,991.92
Total buyer cash needed$79,615.13
Remaining funds due$79,615.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$197.00
Prepaid interest, first (2 days)$70.92
Fees + prepaids$8,991.92
Your down payment is the seller’s equity. You take over the $179,277 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $79,615.13 is due at closing. Uses and sources reconcile at $258,891.92 each. Not a Closing Disclosure.