Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$81,575Cash toward the purchase price.
Closing costs + prepaids$9,630Not just lender fees.
Before credits & paid funds$91,205The complete starting cash picture.
Estimated remaining funds due at closing
$91,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,575.04
Your down payment$81,575.04
Closing costs + prepaids$9,629.64
Total buyer cash needed$91,204.68
Remaining funds due$91,204.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$618.00
Prepaid interest, first (30 days)$487.64
Fees + prepaids$9,629.64
Your down payment is the seller’s equity. You take over the $148,325 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $91,204.68 is due at closing. Uses and sources reconcile at $239,529.64 each. Not a Closing Disclosure.