Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$83,324Cash toward the purchase price.
Closing costs + prepaids$9,554Not just lender fees.
Before credits & paid funds$92,878The complete starting cash picture.
Estimated remaining funds due at closing
$92,878No 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$9,554.29
Total buyer cash needed$92,877.95
Remaining funds due$92,877.95
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 (29 days)$663.29
Fees + prepaids$9,554.29
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. $92,877.95 is due at closing. Uses and sources reconcile at $224,554.29 each. Not a Closing Disclosure.