Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$56,836Cash toward the purchase price.
Closing costs + prepaids$9,809Not just lender fees.
Before credits & paid funds$66,645The complete starting cash picture.
Estimated remaining funds due at closing
$66,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,836.31
Your down payment$56,836.31
Closing costs + prepaids$9,809.14
Total buyer cash needed$66,645.45
Remaining funds due$66,645.45
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 (31 days)$980.89
Fees + prepaids$9,809.14
Your down payment is the seller’s equity. You take over the $182,164 balance, so the rest of the $239,000 price is paid at closing. A second mortgage can cover part of it. $66,645.45 is due at closing. Uses and sources reconcile at $248,809.14 each. Not a Closing Disclosure.