Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$70,507Cash toward the purchase price.
Closing costs + prepaids$9,434Not just lender fees.
Before credits & paid funds$79,940The complete starting cash picture.
Estimated remaining funds due at closing
$79,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,506.72
Your down payment$70,506.72
Closing costs + prepaids$9,433.72
Total buyer cash needed$79,940.45
Remaining funds due$79,940.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$575.75
Prepaid interest, first (23 days)$282.97
Fees + prepaids$9,433.72
Your down payment is the seller’s equity. You take over the $164,493 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $79,940.45 is due at closing. Uses and sources reconcile at $244,433.72 each. Not a Closing Disclosure.