Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$76,606Cash toward the purchase price.
Closing costs + prepaids$9,352Not just lender fees.
Before credits & paid funds$85,958The complete starting cash picture.
Estimated remaining funds due at closing
$85,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,605.80
Your down payment$76,605.80
Closing costs + prepaids$9,351.81
Total buyer cash needed$85,957.60
Remaining funds due$85,957.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.00
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)$566.00
Prepaid interest, first (24 days)$361.81
Fees + prepaids$9,351.81
Your down payment is the seller’s equity. You take over the $143,294 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $85,957.60 is due at closing. Uses and sources reconcile at $229,251.81 each. Not a Closing Disclosure.