Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,014Cash toward the purchase price.
Closing costs + prepaids$9,477Not just lender fees.
Before credits & paid funds$76,491The complete starting cash picture.
Estimated remaining funds due at closing
$76,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,014.27
Your down payment$67,014.27
Closing costs + prepaids$9,476.64
Total buyer cash needed$76,490.92
Remaining funds due$76,490.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$132.50
Prepaid interest, first (31 days)$469.14
Fees + prepaids$9,476.64
Your down payment is the seller’s equity. You take over the $197,986 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $76,490.92 is due at closing. Uses and sources reconcile at $274,476.64 each. Not a Closing Disclosure.