Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$73,795Cash toward the purchase price.
Closing costs + prepaids$9,291Not just lender fees.
Before credits & paid funds$83,086The complete starting cash picture.
Estimated remaining funds due at closing
$83,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,795.04
Your down payment$73,795.04
Closing costs + prepaids$9,291.36
Total buyer cash needed$83,086.39
Remaining funds due$83,086.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,290.00
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)$286.25
Prepaid interest, first (17 days)$490.11
Fees + prepaids$9,291.36
Your down payment is the seller’s equity. You take over the $155,205 balance, so the rest of the $229,000 price is paid at closing. A second mortgage can cover part of it. $83,086.39 is due at closing. Uses and sources reconcile at $238,291.36 each. Not a Closing Disclosure.