Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$79,552Cash toward the purchase price.
Closing costs + prepaids$8,306Not just lender fees.
Before credits & paid funds$87,857The complete starting cash picture.
Estimated remaining funds due at closing
$87,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,551.67
Your down payment$79,551.67
Closing costs + prepaids$8,305.60
Total buyer cash needed$87,857.26
Remaining funds due$87,857.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$209.50
Prepaid interest, first (29 days)$371.10
Fees + prepaids$8,305.60
Your down payment is the seller’s equity. You take over the $70,448 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $87,857.26 is due at closing. Uses and sources reconcile at $158,305.60 each. Not a Closing Disclosure.