Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$57,383Cash toward the purchase price.
Closing costs + prepaids$9,869Not just lender fees.
Before credits & paid funds$67,252The complete starting cash picture.
Estimated remaining funds due at closing
$67,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,383.00
Your down payment$57,383.00
Closing costs + prepaids$9,869.31
Total buyer cash needed$67,252.31
Remaining funds due$67,252.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.90
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)$701.25
Prepaid interest, first (5 days)$193.16
Fees + prepaids$9,869.31
Your down payment is the seller’s equity. You take over the $217,607 balance, so the rest of the $274,990 price is paid at closing. A second mortgage can cover part of it. $67,252.31 is due at closing. Uses and sources reconcile at $284,859.31 each. Not a Closing Disclosure.