Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$68,331Cash toward the purchase price.
Closing costs + prepaids$9,775Not just lender fees.
Before credits & paid funds$78,106The complete starting cash picture.
Estimated remaining funds due at closing
$78,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,330.95
Your down payment$68,330.95
Closing costs + prepaids$9,775.21
Total buyer cash needed$78,106.16
Remaining funds due$78,106.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.99
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)$1,064.00
Prepaid interest, first (24 days)$286.22
Fees + prepaids$9,775.21
Your down payment is the seller’s equity. You take over the $151,668 balance, so the rest of the $219,999 price is paid at closing. A second mortgage can cover part of it. $78,106.16 is due at closing. Uses and sources reconcile at $229,774.21 each. Not a Closing Disclosure.