Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$73,026Cash toward the purchase price.
Closing costs + prepaids$8,632Not just lender fees.
Before credits & paid funds$81,658The complete starting cash picture.
Estimated remaining funds due at closing
$81,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,026.24
Your down payment$73,026.24
Closing costs + prepaids$8,631.58
Total buyer cash needed$81,657.83
Remaining funds due$81,657.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.99
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)$376.00
Prepaid interest, first (28 days)$230.59
Fees + prepaids$8,631.58
Your down payment is the seller’s equity. You take over the $106,973 balance, so the rest of the $179,999 price is paid at closing. A second mortgage can cover part of it. $81,657.83 is due at closing. Uses and sources reconcile at $188,630.58 each. Not a Closing Disclosure.