Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,043Cash toward the purchase price.
Closing costs + prepaids$9,286Not just lender fees.
Before credits & paid funds$75,329The complete starting cash picture.
Estimated remaining funds due at closing
$75,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,042.84
Your down payment$66,042.84
Closing costs + prepaids$9,285.79
Total buyer cash needed$75,328.63
Remaining funds due$75,328.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,100.00
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)$226.25
Prepaid interest, first (24 days)$734.54
Fees + prepaids$9,285.79
Your down payment is the seller’s equity. You take over the $143,957 balance, so the rest of the $210,000 price is paid at closing. A second mortgage can cover part of it. $75,328.63 is due at closing. Uses and sources reconcile at $219,285.79 each. Not a Closing Disclosure.