Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$52,379Cash toward the purchase price.
Closing costs + prepaids$8,386Not just lender fees.
Before credits & paid funds$60,765The complete starting cash picture.
Estimated remaining funds due at closing
$60,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,379.00
Your down payment$52,379.00
Closing costs + prepaids$8,385.55
Total buyer cash needed$60,764.54
Remaining funds due$60,764.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,040.00
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)$108.25
Prepaid interest, first (1 days)$12.30
Fees + prepaids$8,385.55
Your down payment is the seller’s equity. You take over the $151,621 balance, so the rest of the $204,000 price is paid at closing. A second mortgage can cover part of it. $60,764.54 is due at closing. Uses and sources reconcile at $212,385.55 each. Not a Closing Disclosure.