Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,617Cash toward the purchase price.
Closing costs + prepaids$8,860Not just lender fees.
Before credits & paid funds$65,477The complete starting cash picture.
Estimated remaining funds due at closing
$65,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,617.27
Your down payment$56,617.27
Closing costs + prepaids$8,859.93
Total buyer cash needed$65,477.19
Remaining funds due$65,477.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,390.00
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)$213.25
Prepaid interest, first (1 days)$31.68
Fees + prepaids$8,859.93
Your down payment is the seller’s equity. You take over the $182,383 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $65,477.19 is due at closing. Uses and sources reconcile at $247,859.93 each. Not a Closing Disclosure.