Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$62,359Cash toward the purchase price.
Closing costs + prepaids$9,467Not just lender fees.
Before credits & paid funds$71,826The complete starting cash picture.
Estimated remaining funds due at closing
$71,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,359.20
Your down payment$62,359.20
Closing costs + prepaids$9,466.69
Total buyer cash needed$71,825.90
Remaining funds due$71,825.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,692.99
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)$1,304.00
Prepaid interest, first (24 days)$244.70
Fees + prepaids$9,466.69
Your down payment is the seller’s equity. You take over the $106,940 balance, so the rest of the $169,299 price is paid at closing. A second mortgage can cover part of it. $71,825.90 is due at closing. Uses and sources reconcile at $178,765.69 each. Not a Closing Disclosure.