Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,204Cash toward the purchase price.
Closing costs + prepaids$9,059Not just lender fees.
Before credits & paid funds$76,262The complete starting cash picture.
Estimated remaining funds due at closing
$76,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,203.52
Your down payment$67,203.52
Closing costs + prepaids$9,058.92
Total buyer cash needed$76,262.43
Remaining funds due$76,262.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,679.00
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)$848.00
Prepaid interest, first (25 days)$306.92
Fees + prepaids$9,058.92
Your down payment is the seller’s equity. You take over the $100,696 balance, so the rest of the $167,900 price is paid at closing. A second mortgage can cover part of it. $76,262.43 is due at closing. Uses and sources reconcile at $176,958.92 each. Not a Closing Disclosure.