Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$72,225Cash toward the purchase price.
Closing costs + prepaids$9,789Not just lender fees.
Before credits & paid funds$82,014The complete starting cash picture.
Estimated remaining funds due at closing
$82,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,224.96
Your down payment$72,224.96
Closing costs + prepaids$9,788.57
Total buyer cash needed$82,013.53
Remaining funds due$82,013.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,249.16
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)$950.00
Prepaid interest, first (31 days)$364.41
Fees + prepaids$9,788.57
Your down payment is the seller’s equity. You take over the $152,691 balance, so the rest of the $224,916 price is paid at closing. A second mortgage can cover part of it. $82,013.53 is due at closing. Uses and sources reconcile at $234,704.57 each. Not a Closing Disclosure.