Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$70,288Cash toward the purchase price.
Closing costs + prepaids$10,175Not just lender fees.
Before credits & paid funds$80,464The complete starting cash picture.
Estimated remaining funds due at closing
$80,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,288.24
Your down payment$70,288.24
Closing costs + prepaids$10,175.34
Total buyer cash needed$80,463.58
Remaining funds due$80,463.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$1,035.00
Prepaid interest, first (24 days)$565.34
Fees + prepaids$10,175.34
Your down payment is the seller’s equity. You take over the $164,712 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $80,463.58 is due at closing. Uses and sources reconcile at $245,175.34 each. Not a Closing Disclosure.