Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,037Cash toward the purchase price.
Closing costs + prepaids$9,426Not just lender fees.
Before credits & paid funds$75,463The complete starting cash picture.
Estimated remaining funds due at closing
$75,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,036.69
Your down payment$66,036.69
Closing costs + prepaids$9,426.01
Total buyer cash needed$75,462.70
Remaining funds due$75,462.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,299.00
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)$542.50
Prepaid interest, first (26 days)$359.51
Fees + prepaids$9,426.01
Your down payment is the seller’s equity. You take over the $163,863 balance, so the rest of the $229,900 price is paid at closing. A second mortgage can cover part of it. $75,462.70 is due at closing. Uses and sources reconcile at $239,326.01 each. Not a Closing Disclosure.