Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$70,478Cash toward the purchase price.
Closing costs + prepaids$9,207Not just lender fees.
Before credits & paid funds$79,685The complete starting cash picture.
Estimated remaining funds due at closing
$79,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,477.68
Your down payment$70,477.68
Closing costs + prepaids$9,207.01
Total buyer cash needed$79,684.69
Remaining funds due$79,684.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,440.00
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)$166.25
Prepaid interest, first (26 days)$375.76
Fees + prepaids$9,207.01
Your down payment is the seller’s equity. You take over the $173,522 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $79,684.69 is due at closing. Uses and sources reconcile at $253,207.01 each. Not a Closing Disclosure.