Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,324Cash toward the purchase price.
Closing costs + prepaids$9,577Not just lender fees.
Before credits & paid funds$92,901The complete starting cash picture.
Estimated remaining funds due at closing
$92,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,323.66
Your down payment$83,323.66
Closing costs + prepaids$9,577.16
Total buyer cash needed$92,900.82
Remaining funds due$92,900.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$516.00
Prepaid interest, first (30 days)$686.16
Fees + prepaids$9,577.16
Your down payment is the seller’s equity. You take over the $131,676 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $92,900.82 is due at closing. Uses and sources reconcile at $224,577.16 each. Not a Closing Disclosure.