Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,491Cash toward the purchase price.
Closing costs + prepaids$8,728Not just lender fees.
Before credits & paid funds$75,220The complete starting cash picture.
Estimated remaining funds due at closing
$75,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,491.22
Your down payment$66,491.22
Closing costs + prepaids$8,728.38
Total buyer cash needed$75,219.60
Remaining funds due$75,219.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$423.50
Prepaid interest, first (24 days)$279.88
Fees + prepaids$8,728.38
Your down payment is the seller’s equity. You take over the $113,509 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $75,219.60 is due at closing. Uses and sources reconcile at $188,728.38 each. Not a Closing Disclosure.