Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$59,932Cash toward the purchase price.
Closing costs + prepaids$23,223Not just lender fees.
Before credits & paid funds$83,155The complete starting cash picture.
Estimated remaining funds due at closing
$83,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,932.40
Your down payment$59,932.40
Closing costs + prepaids$23,222.83
Total buyer cash needed$83,155.23
Remaining funds due$83,155.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,690.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,422.50
Prepaid interest, first (24 days)$3,885.33
Fees + prepaids$23,222.83
Your down payment is the seller’s equity. You take over the $909,068 balance, so the rest of the $969,000 price is paid at closing. A second mortgage can cover part of it. $83,155.23 is due at closing. Uses and sources reconcile at $992,222.83 each. Not a Closing Disclosure.