Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$63,486Cash toward the purchase price.
Closing costs + prepaids$8,798Not just lender fees.
Before credits & paid funds$72,283The complete starting cash picture.
Estimated remaining funds due at closing
$72,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,485.61
Your down payment$63,485.61
Closing costs + prepaids$8,797.62
Total buyer cash needed$72,283.23
Remaining funds due$72,283.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,849.00
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)$179.75
Prepaid interest, first (25 days)$543.87
Fees + prepaids$8,797.62
Your down payment is the seller’s equity. You take over the $121,414 balance, so the rest of the $184,900 price is paid at closing. A second mortgage can cover part of it. $72,283.23 is due at closing. Uses and sources reconcile at $193,697.62 each. Not a Closing Disclosure.