Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$60,137Cash toward the purchase price.
Closing costs + prepaids$8,671Not just lender fees.
Before credits & paid funds$68,808The complete starting cash picture.
Estimated remaining funds due at closing
$68,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,137.15
Your down payment$60,137.15
Closing costs + prepaids$8,670.90
Total buyer cash needed$68,808.05
Remaining funds due$68,808.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.99
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)$97.50
Initial HOA (3 months)$687.00
Prepaid interest, first (22 days)$161.41
Fees + prepaids$8,670.90
Your down payment is the seller’s equity. You take over the $89,862 balance, so the rest of the $149,999 price is paid at closing. A second mortgage can cover part of it. $68,808.05 is due at closing. Uses and sources reconcile at $158,669.90 each. Not a Closing Disclosure.