Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$61,735Cash toward the purchase price.
Closing costs + prepaids$8,905Not just lender fees.
Before credits & paid funds$70,640The complete starting cash picture.
Estimated remaining funds due at closing
$70,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,734.87
Your down payment$61,734.87
Closing costs + prepaids$8,905.43
Total buyer cash needed$70,640.30
Remaining funds due$70,640.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,879.00
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)$537.00
Prepaid interest, first (25 days)$264.43
Fees + prepaids$8,905.43
Your down payment is the seller’s equity. You take over the $126,165 balance, so the rest of the $187,900 price is paid at closing. A second mortgage can cover part of it. $70,640.30 is due at closing. Uses and sources reconcile at $196,805.43 each. Not a Closing Disclosure.