Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,605Cash toward the purchase price.
Closing costs + prepaids$8,819Not just lender fees.
Before credits & paid funds$76,424The complete starting cash picture.
Estimated remaining funds due at closing
$76,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,605.13
Your down payment$67,605.13
Closing costs + prepaids$8,818.90
Total buyer cash needed$76,424.04
Remaining funds due$76,424.04
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)$69.00
Prepaid interest, first (27 days)$375.90
Fees + prepaids$8,818.90
Your down payment is the seller’s equity. You take over the $147,295 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $76,424.04 is due at closing. Uses and sources reconcile at $223,718.90 each. Not a Closing Disclosure.