Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,858Cash toward the purchase price.
Closing costs + prepaids$10,000Not just lender fees.
Before credits & paid funds$82,859The complete starting cash picture.
Estimated remaining funds due at closing
$82,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,858.39
Your down payment$72,858.39
Closing costs + prepaids$10,000.22
Total buyer cash needed$82,858.61
Remaining funds due$82,858.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.90
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)$230.00
Prepaid interest, first (30 days)$1,045.32
Fees + prepaids$10,000.22
Your down payment is the seller’s equity. You take over the $177,132 balance, so the rest of the $249,990 price is paid at closing. A second mortgage can cover part of it. $82,858.61 is due at closing. Uses and sources reconcile at $259,990.22 each. Not a Closing Disclosure.