Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$64,324Cash toward the purchase price.
Closing costs + prepaids$9,954Not just lender fees.
Before credits & paid funds$74,277The complete starting cash picture.
Estimated remaining funds due at closing
$74,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,323.68
Your down payment$64,323.68
Closing costs + prepaids$9,953.71
Total buyer cash needed$74,277.39
Remaining funds due$74,277.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$319.00
Prepaid interest, first (21 days)$759.71
Fees + prepaids$9,953.71
Your down payment is the seller’s equity. You take over the $200,676 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $74,277.39 is due at closing. Uses and sources reconcile at $274,953.71 each. Not a Closing Disclosure.