Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$66,072Cash toward the purchase price.
Closing costs + prepaids$10,226Not just lender fees.
Before credits & paid funds$76,298The complete starting cash picture.
Estimated remaining funds due at closing
$76,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,072.13
Your down payment$66,072.13
Closing costs + prepaids$10,226.02
Total buyer cash needed$76,298.15
Remaining funds due$76,298.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$288.00
Initial HOA (3 months)$1,086.00
Prepaid interest, first (12 days)$228.02
Fees + prepaids$10,226.02
Your down payment is the seller’s equity. You take over the $173,828 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $76,298.15 is due at closing. Uses and sources reconcile at $250,126.02 each. Not a Closing Disclosure.