Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$63,758Cash toward the purchase price.
Closing costs + prepaids$9,481Not just lender fees.
Before credits & paid funds$73,239The complete starting cash picture.
Estimated remaining funds due at closing
$73,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,758.17
Your down payment$63,758.17
Closing costs + prepaids$9,481.08
Total buyer cash needed$73,239.25
Remaining funds due$73,239.25
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)$401.50
Prepaid interest, first (25 days)$655.58
Fees + prepaids$9,481.08
Your down payment is the seller’s equity. You take over the $156,142 balance, so the rest of the $219,900 price is paid at closing. A second mortgage can cover part of it. $73,239.25 is due at closing. Uses and sources reconcile at $229,381.08 each. Not a Closing Disclosure.