Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$65,289Cash toward the purchase price.
Closing costs + prepaids$8,578Not just lender fees.
Before credits & paid funds$73,867The complete starting cash picture.
Estimated remaining funds due at closing
$73,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,289.50
Your down payment$65,289.50
Closing costs + prepaids$8,577.95
Total buyer cash needed$73,867.45
Remaining funds due$73,867.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,975.00
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)$140.50
Initial HOA (3 months)$12.51
Prepaid interest, first (18 days)$224.94
Fees + prepaids$8,577.95
Your down payment is the seller’s equity. You take over the $132,211 balance, so the rest of the $197,500 price is paid at closing. A second mortgage can cover part of it. $73,867.45 is due at closing. Uses and sources reconcile at $206,077.95 each. Not a Closing Disclosure.