Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,174Cash toward the purchase price.
Closing costs + prepaids$8,307Not just lender fees.
Before credits & paid funds$83,481The complete starting cash picture.
Estimated remaining funds due at closing
$83,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,173.81
Your down payment$75,173.81
Closing costs + prepaids$8,307.00
Total buyer cash needed$83,480.81
Remaining funds due$83,480.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,555.00
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)$358.25
Prepaid interest, first (27 days)$168.75
Fees + prepaids$8,307.00
Your down payment is the seller’s equity. You take over the $80,326 balance, so the rest of the $155,500 price is paid at closing. A second mortgage can cover part of it. $83,480.81 is due at closing. Uses and sources reconcile at $163,807.00 each. Not a Closing Disclosure.