Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$68,803Cash toward the purchase price.
Closing costs + prepaids$8,969Not just lender fees.
Before credits & paid funds$77,772The complete starting cash picture.
Estimated remaining funds due at closing
$77,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,802.69
Your down payment$68,802.69
Closing costs + prepaids$8,968.94
Total buyer cash needed$77,771.62
Remaining funds due$77,771.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
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)$281.25
Prepaid interest, first (14 days)$212.69
Fees + prepaids$8,968.94
Your down payment is the seller’s equity. You take over the $156,197 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $77,771.62 is due at closing. Uses and sources reconcile at $233,968.94 each. Not a Closing Disclosure.