Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$72,379Cash toward the purchase price.
Closing costs + prepaids$9,360Not just lender fees.
Before credits & paid funds$81,739The complete starting cash picture.
Estimated remaining funds due at closing
$81,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,378.97
Your down payment$72,378.97
Closing costs + prepaids$9,360.12
Total buyer cash needed$81,739.10
Remaining funds due$81,739.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$850.25
Prepaid interest, first (2 days)$34.87
Fees + prepaids$9,360.12
Your down payment is the seller’s equity. You take over the $152,621 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $81,739.10 is due at closing. Uses and sources reconcile at $234,360.12 each. Not a Closing Disclosure.