Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$63,089Cash toward the purchase price.
Closing costs + prepaids$8,453Not just lender fees.
Before credits & paid funds$71,542The complete starting cash picture.
Estimated remaining funds due at closing
$71,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,089.12
Your down payment$63,089.12
Closing costs + prepaids$8,453.38
Total buyer cash needed$71,542.49
Remaining funds due$71,542.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$288.00
Prepaid interest, first (25 days)$290.38
Fees + prepaids$8,453.38
Your down payment is the seller’s equity. You take over the $101,911 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $71,542.49 is due at closing. Uses and sources reconcile at $173,453.38 each. Not a Closing Disclosure.