Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,068Cash toward the purchase price.
Closing costs + prepaids$10,041Not just lender fees.
Before credits & paid funds$92,109The complete starting cash picture.
Estimated remaining funds due at closing
$92,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,068.13
Your down payment$82,068.13
Closing costs + prepaids$10,041.15
Total buyer cash needed$92,109.28
Remaining funds due$92,109.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$835.00
Prepaid interest, first (25 days)$431.15
Fees + prepaids$10,041.15
Your down payment is the seller’s equity. You take over the $172,932 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $92,109.28 is due at closing. Uses and sources reconcile at $265,041.15 each. Not a Closing Disclosure.