Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$83,445Cash toward the purchase price.
Closing costs + prepaids$9,715Not just lender fees.
Before credits & paid funds$93,160The complete starting cash picture.
Estimated remaining funds due at closing
$93,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,445.38
Your down payment$83,445.38
Closing costs + prepaids$9,714.51
Total buyer cash needed$93,159.89
Remaining funds due$93,159.89
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)$771.00
Prepaid interest, first (25 days)$368.51
Fees + prepaids$9,714.51
Your down payment is the seller’s equity. You take over the $151,555 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $93,159.89 is due at closing. Uses and sources reconcile at $244,714.51 each. Not a Closing Disclosure.