Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$75,084Cash toward the purchase price.
Closing costs + prepaids$8,896Not just lender fees.
Before credits & paid funds$83,980The complete starting cash picture.
Estimated remaining funds due at closing
$83,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,084.32
Your down payment$75,084.32
Closing costs + prepaids$8,895.74
Total buyer cash needed$83,980.06
Remaining funds due$83,980.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,490.00
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)$166.25
Prepaid interest, first (1 days)$14.49
Fees + prepaids$8,895.74
Your down payment is the seller’s equity. You take over the $173,916 balance, so the rest of the $249,000 price is paid at closing. A second mortgage can cover part of it. $83,980.06 is due at closing. Uses and sources reconcile at $257,895.74 each. Not a Closing Disclosure.