Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,013Cash toward the purchase price.
Closing costs + prepaids$8,158Not just lender fees.
Before credits & paid funds$89,172The complete starting cash picture.
Estimated remaining funds due at closing
$89,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,013.14
Your down payment$81,013.14
Closing costs + prepaids$8,158.50
Total buyer cash needed$89,171.64
Remaining funds due$89,171.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$257.25
Prepaid interest, first (25 days)$176.25
Fees + prepaids$8,158.50
Your down payment is the seller’s equity. You take over the $68,987 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $89,171.64 is due at closing. Uses and sources reconcile at $158,158.50 each. Not a Closing Disclosure.