Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$61,779Cash toward the purchase price.
Closing costs + prepaids$9,566Not just lender fees.
Before credits & paid funds$71,346The complete starting cash picture.
Estimated remaining funds due at closing
$71,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,779.42
Your down payment$61,779.42
Closing costs + prepaids$9,566.43
Total buyer cash needed$71,345.85
Remaining funds due$71,345.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$274.75
Initial HOA (3 months)$609.00
Prepaid interest, first (12 days)$167.68
Fees + prepaids$9,566.43
Your down payment is the seller’s equity. You take over the $167,221 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $71,345.85 is due at closing. Uses and sources reconcile at $238,566.43 each. Not a Closing Disclosure.