Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,212Cash toward the purchase price.
Closing costs + prepaids$9,544Not just lender fees.
Before credits & paid funds$76,756The complete starting cash picture.
Estimated remaining funds due at closing
$76,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,212.23
Your down payment$67,212.23
Closing costs + prepaids$9,543.62
Total buyer cash needed$76,755.85
Remaining funds due$76,755.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$533.50
Prepaid interest, first (23 days)$635.12
Fees + prepaids$9,543.62
Your down payment is the seller’s equity. You take over the $147,788 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $76,755.85 is due at closing. Uses and sources reconcile at $224,543.62 each. Not a Closing Disclosure.