Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$64,125Cash toward the purchase price.
Closing costs + prepaids$9,497Not just lender fees.
Before credits & paid funds$73,622The complete starting cash picture.
Estimated remaining funds due at closing
$73,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,125.33
Your down payment$64,125.33
Closing costs + prepaids$9,496.53
Total buyer cash needed$73,621.85
Remaining funds due$73,621.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$216.50
Prepaid interest, first (26 days)$755.03
Fees + prepaids$9,496.53
Your down payment is the seller’s equity. You take over the $165,875 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $73,621.85 is due at closing. Uses and sources reconcile at $239,496.53 each. Not a Closing Disclosure.