Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$60,545Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$70,706The complete starting cash picture.
Estimated remaining funds due at closing
$70,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,545.20
Your down payment$60,545.20
Closing costs + prepaids$10,161.03
Total buyer cash needed$70,706.23
Remaining funds due$70,706.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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)$189.25
Initial HOA (3 months)$1,860.00
Prepaid interest, first (24 days)$387.78
Fees + prepaids$10,161.03
Your down payment is the seller’s equity. You take over the $89,355 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $70,706.23 is due at closing. Uses and sources reconcile at $160,061.03 each. Not a Closing Disclosure.