Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$79,135Cash toward the purchase price.
Closing costs + prepaids$9,673Not just lender fees.
Before credits & paid funds$88,808The complete starting cash picture.
Estimated remaining funds due at closing
$88,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,134.99
Your down payment$79,134.99
Closing costs + prepaids$9,673.12
Total buyer cash needed$88,808.11
Remaining funds due$88,808.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$558.00
Prepaid interest, first (24 days)$600.12
Fees + prepaids$9,673.12
Your down payment is the seller’s equity. You take over the $149,865 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $88,808.11 is due at closing. Uses and sources reconcile at $238,673.12 each. Not a Closing Disclosure.