Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$62,319Cash toward the purchase price.
Closing costs + prepaids$9,843Not just lender fees.
Before credits & paid funds$72,163The complete starting cash picture.
Estimated remaining funds due at closing
$72,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,319.44
Your down payment$62,319.44
Closing costs + prepaids$9,843.09
Total buyer cash needed$72,162.53
Remaining funds due$72,162.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,935.22
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)$519.50
Initial HOA (3 months)$795.00
Prepaid interest, first (24 days)$368.37
Fees + prepaids$9,843.09
Your down payment is the seller’s equity. You take over the $131,203 balance, so the rest of the $193,522 price is paid at closing. A second mortgage can cover part of it. $72,162.53 is due at closing. Uses and sources reconcile at $203,365.09 each. Not a Closing Disclosure.