Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$61,411Cash toward the purchase price.
Closing costs + prepaids$9,187Not just lender fees.
Before credits & paid funds$70,598The complete starting cash picture.
Estimated remaining funds due at closing
$70,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,411.41
Your down payment$61,411.41
Closing costs + prepaids$9,186.51
Total buyer cash needed$70,597.92
Remaining funds due$70,597.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,970.00
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)$236.50
Initial HOA (3 months)$651.00
Prepaid interest, first (10 days)$104.01
Fees + prepaids$9,186.51
Your down payment is the seller’s equity. You take over the $135,589 balance, so the rest of the $197,000 price is paid at closing. A second mortgage can cover part of it. $70,597.92 is due at closing. Uses and sources reconcile at $206,186.51 each. Not a Closing Disclosure.