Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$65,644Cash toward the purchase price.
Closing costs + prepaids$9,214Not just lender fees.
Before credits & paid funds$74,859The complete starting cash picture.
Estimated remaining funds due at closing
$74,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,644.41
Your down payment$65,644.41
Closing costs + prepaids$9,214.20
Total buyer cash needed$74,858.61
Remaining funds due$74,858.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,975.00
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)$358.75
Prepaid interest, first (27 days)$655.45
Fees + prepaids$9,214.20
Your down payment is the seller’s equity. You take over the $131,856 balance, so the rest of the $197,500 price is paid at closing. A second mortgage can cover part of it. $74,858.61 is due at closing. Uses and sources reconcile at $206,714.20 each. Not a Closing Disclosure.