Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,774Cash toward the purchase price.
Closing costs + prepaids$8,791Not just lender fees.
Before credits & paid funds$76,565The complete starting cash picture.
Estimated remaining funds due at closing
$76,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,773.59
Your down payment$67,773.59
Closing costs + prepaids$8,791.25
Total buyer cash needed$76,564.84
Remaining funds due$76,564.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,290.00
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)$322.50
Initial HOA (3 months)$762.00
Prepaid interest, first (23 days)$191.75
Fees + prepaids$8,791.25
Your down payment is the seller’s equity. You take over the $61,226 balance, so the rest of the $129,000 price is paid at closing. A second mortgage can cover part of it. $76,564.84 is due at closing. Uses and sources reconcile at $137,791.25 each. Not a Closing Disclosure.