Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,447Cash toward the purchase price.
Closing costs + prepaids$7,717Not just lender fees.
Before credits & paid funds$74,163The complete starting cash picture.
Estimated remaining funds due at closing
$74,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,446.51
Your down payment$66,446.51
Closing costs + prepaids$7,716.53
Total buyer cash needed$74,163.04
Remaining funds due$74,163.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,100.00
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)$206.00
Prepaid interest, first (26 days)$185.53
Fees + prepaids$7,716.53
Your down payment is the seller’s equity. You take over the $43,553 balance, so the rest of the $110,000 price is paid at closing. A second mortgage can cover part of it. $74,163.04 is due at closing. Uses and sources reconcile at $117,716.53 each. Not a Closing Disclosure.