Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$68,171Cash toward the purchase price.
Closing costs + prepaids$9,222Not just lender fees.
Before credits & paid funds$77,394The complete starting cash picture.
Estimated remaining funds due at closing
$77,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,171.15
Your down payment$68,171.15
Closing costs + prepaids$9,222.49
Total buyer cash needed$77,393.64
Remaining funds due$77,393.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,415.00
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)$107.00
Prepaid interest, first (31 days)$475.49
Fees + prepaids$9,222.49
Your down payment is the seller’s equity. You take over the $173,329 balance, so the rest of the $241,500 price is paid at closing. A second mortgage can cover part of it. $77,393.64 is due at closing. Uses and sources reconcile at $250,722.49 each. Not a Closing Disclosure.