Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,422Cash toward the purchase price.
Closing costs + prepaids$7,379Not just lender fees.
Before credits & paid funds$81,801The complete starting cash picture.
Estimated remaining funds due at closing
$81,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,422.36
Your down payment$74,422.36
Closing costs + prepaids$7,378.94
Total buyer cash needed$81,801.29
Remaining funds due$81,801.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$950.00
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)$94.00
Prepaid interest, first (26 days)$109.94
Fees + prepaids$7,378.94
Your down payment is the seller’s equity. You take over the $20,578 balance, so the rest of the $95,000 price is paid at closing. A second mortgage can cover part of it. $81,801.29 is due at closing. Uses and sources reconcile at $102,378.94 each. Not a Closing Disclosure.