Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,706Cash toward the purchase price.
Closing costs + prepaids$8,773Not just lender fees.
Before credits & paid funds$63,479The complete starting cash picture.
Estimated remaining funds due at closing
$63,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,705.91
Your down payment$54,705.91
Closing costs + prepaids$8,772.74
Total buyer cash needed$63,478.65
Remaining funds due$63,478.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$56.25
Prepaid interest, first (27 days)$341.49
Fees + prepaids$8,772.74
Your down payment is the seller’s equity. You take over the $160,294 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $63,478.65 is due at closing. Uses and sources reconcile at $223,772.74 each. Not a Closing Disclosure.