Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$72,600Cash toward the purchase price.
Closing costs + prepaids$8,461Not just lender fees.
Before credits & paid funds$81,062The complete starting cash picture.
Estimated remaining funds due at closing
$81,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,600.42
Your down payment$72,600.42
Closing costs + prepaids$8,461.32
Total buyer cash needed$81,061.75
Remaining funds due$81,061.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,897.49
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)$92.50
Prepaid interest, first (25 days)$246.33
Fees + prepaids$8,461.32
Your down payment is the seller’s equity. You take over the $117,149 balance, so the rest of the $189,749 price is paid at closing. A second mortgage can cover part of it. $81,061.75 is due at closing. Uses and sources reconcile at $198,210.32 each. Not a Closing Disclosure.