Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$63,645Cash toward the purchase price.
Closing costs + prepaids$8,301Not just lender fees.
Before credits & paid funds$71,946The complete starting cash picture.
Estimated remaining funds due at closing
$71,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,644.87
Your down payment$63,644.87
Closing costs + prepaids$8,301.26
Total buyer cash needed$71,946.13
Remaining funds due$71,946.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,450.00
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)$277.00
Initial HOA (3 months)$200.01
Prepaid interest, first (24 days)$149.25
Fees + prepaids$8,301.26
Your down payment is the seller’s equity. You take over the $81,355 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $71,946.13 is due at closing. Uses and sources reconcile at $153,301.26 each. Not a Closing Disclosure.