Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$76,056Cash toward the purchase price.
Closing costs + prepaids$9,105Not just lender fees.
Before credits & paid funds$85,161The complete starting cash picture.
Estimated remaining funds due at closing
$85,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,056.49
Your down payment$76,056.49
Closing costs + prepaids$9,104.65
Total buyer cash needed$85,161.13
Remaining funds due$85,161.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$437.75
Prepaid interest, first (27 days)$291.90
Fees + prepaids$9,104.65
Your down payment is the seller’s equity. You take over the $138,944 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $85,161.13 is due at closing. Uses and sources reconcile at $224,104.65 each. Not a Closing Disclosure.