Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$65,340Cash toward the purchase price.
Closing costs + prepaids$8,393Not just lender fees.
Before credits & paid funds$73,733The complete starting cash picture.
Estimated remaining funds due at closing
$73,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,339.70
Your down payment$65,339.70
Closing costs + prepaids$8,393.35
Total buyer cash needed$73,733.06
Remaining funds due$73,733.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.99
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)$288.00
Prepaid interest, first (31 days)$380.36
Fees + prepaids$8,393.35
Your down payment is the seller’s equity. You take over the $84,659 balance, so the rest of the $149,999 price is paid at closing. A second mortgage can cover part of it. $73,733.06 is due at closing. Uses and sources reconcile at $158,392.35 each. Not a Closing Disclosure.