Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,502Cash toward the purchase price.
Closing costs + prepaids$8,430Not just lender fees.
Before credits & paid funds$74,932The complete starting cash picture.
Estimated remaining funds due at closing
$74,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,502.32
Your down payment$66,502.32
Closing costs + prepaids$8,429.62
Total buyer cash needed$74,931.94
Remaining funds due$74,931.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,725.00
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)$274.25
Prepaid interest, first (26 days)$205.37
Fees + prepaids$8,429.62
Your down payment is the seller’s equity. You take over the $105,998 balance, so the rest of the $172,500 price is paid at closing. A second mortgage can cover part of it. $74,931.94 is due at closing. Uses and sources reconcile at $180,929.62 each. Not a Closing Disclosure.