Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$64,813Cash toward the purchase price.
Closing costs + prepaids$7,509Not just lender fees.
Before credits & paid funds$72,322The complete starting cash picture.
Estimated remaining funds due at closing
$72,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,813.12
Your down payment$64,813.12
Closing costs + prepaids$7,508.76
Total buyer cash needed$72,321.87
Remaining funds due$72,321.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,050.00
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)$60.50
Prepaid interest, first (28 days)$173.26
Fees + prepaids$7,508.76
Your down payment is the seller’s equity. You take over the $40,187 balance, so the rest of the $105,000 price is paid at closing. A second mortgage can cover part of it. $72,321.87 is due at closing. Uses and sources reconcile at $112,508.76 each. Not a Closing Disclosure.