Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$74,831Cash toward the purchase price.
Closing costs + prepaids$8,849Not just lender fees.
Before credits & paid funds$83,680The complete starting cash picture.
Estimated remaining funds due at closing
$83,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,831.18
Your down payment$74,831.18
Closing costs + prepaids$8,848.82
Total buyer cash needed$83,680.00
Remaining funds due$83,680.00
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)$268.75
Prepaid interest, first (15 days)$205.07
Fees + prepaids$8,848.82
Your down payment is the seller’s equity. You take over the $140,169 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $83,680.00 is due at closing. Uses and sources reconcile at $223,848.82 each. Not a Closing Disclosure.