Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,362Cash toward the purchase price.
Closing costs + prepaids$8,945Not just lender fees.
Before credits & paid funds$87,307The complete starting cash picture.
Estimated remaining funds due at closing
$87,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,361.59
Your down payment$78,361.59
Closing costs + prepaids$8,944.95
Total buyer cash needed$87,306.53
Remaining funds due$87,306.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$246.25
Prepaid interest, first (28 days)$324.70
Fees + prepaids$8,944.95
Your down payment is the seller’s equity. You take over the $136,538 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $87,306.53 is due at closing. Uses and sources reconcile at $223,844.95 each. Not a Closing Disclosure.