Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,309Cash toward the purchase price.
Closing costs + prepaids$10,058Not just lender fees.
Before credits & paid funds$77,367The complete starting cash picture.
Estimated remaining funds due at closing
$77,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,309.31
Your down payment$67,309.31
Closing costs + prepaids$10,057.82
Total buyer cash needed$77,367.13
Remaining funds due$77,367.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,060.00
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)$1,390.00
Prepaid interest, first (25 days)$382.82
Fees + prepaids$10,057.82
Your down payment is the seller’s equity. You take over the $138,691 balance, so the rest of the $206,000 price is paid at closing. A second mortgage can cover part of it. $77,367.13 is due at closing. Uses and sources reconcile at $216,057.82 each. Not a Closing Disclosure.