Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$78,696Cash toward the purchase price.
Closing costs + prepaids$9,279Not just lender fees.
Before credits & paid funds$87,975The complete starting cash picture.
Estimated remaining funds due at closing
$87,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,696.39
Your down payment$78,696.39
Closing costs + prepaids$9,279.08
Total buyer cash needed$87,975.46
Remaining funds due$87,975.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,370.00
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)$456.25
Prepaid interest, first (17 days)$227.83
Fees + prepaids$9,279.08
Your down payment is the seller’s equity. You take over the $158,304 balance, so the rest of the $237,000 price is paid at closing. A second mortgage can cover part of it. $87,975.46 is due at closing. Uses and sources reconcile at $246,279.08 each. Not a Closing Disclosure.