Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,595Cash toward the purchase price.
Closing costs + prepaids$10,566Not just lender fees.
Before credits & paid funds$79,162The complete starting cash picture.
Estimated remaining funds due at closing
$79,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,595.27
Your down payment$68,595.27
Closing costs + prepaids$10,566.49
Total buyer cash needed$79,161.76
Remaining funds due$79,161.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$433.25
Prepaid interest, first (27 days)$1,059.24
Fees + prepaids$10,566.49
Your down payment is the seller’s equity. You take over the $216,305 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $79,161.76 is due at closing. Uses and sources reconcile at $295,466.49 each. Not a Closing Disclosure.