Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,032Cash toward the purchase price.
Closing costs + prepaids$9,305Not just lender fees.
Before credits & paid funds$75,337The complete starting cash picture.
Estimated remaining funds due at closing
$75,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,031.65
Your down payment$66,031.65
Closing costs + prepaids$9,305.00
Total buyer cash needed$75,336.65
Remaining funds due$75,336.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,179.00
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)$195.00
Prepaid interest, first (24 days)$706.00
Fees + prepaids$9,305.00
Your down payment is the seller’s equity. You take over the $151,868 balance, so the rest of the $217,900 price is paid at closing. A second mortgage can cover part of it. $75,336.65 is due at closing. Uses and sources reconcile at $227,205.00 each. Not a Closing Disclosure.