Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$63,986Cash toward the purchase price.
Closing costs + prepaids$8,961Not just lender fees.
Before credits & paid funds$72,947The complete starting cash picture.
Estimated remaining funds due at closing
$72,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,986.00
Your down payment$63,986.00
Closing costs + prepaids$8,961.40
Total buyer cash needed$72,947.40
Remaining funds due$72,947.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,190.00
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)$208.00
Prepaid interest, first (16 days)$338.40
Fees + prepaids$8,961.40
Your down payment is the seller’s equity. You take over the $155,014 balance, so the rest of the $219,000 price is paid at closing. A second mortgage can cover part of it. $72,947.40 is due at closing. Uses and sources reconcile at $227,961.40 each. Not a Closing Disclosure.