Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$66,436Cash toward the purchase price.
Closing costs + prepaids$9,768Not just lender fees.
Before credits & paid funds$76,204The complete starting cash picture.
Estimated remaining funds due at closing
$76,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,435.98
Your down payment$66,435.98
Closing costs + prepaids$9,767.96
Total buyer cash needed$76,203.94
Remaining funds due$76,203.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$361.25
Prepaid interest, first (16 days)$291.71
Fees + prepaids$9,767.96
Your down payment is the seller’s equity. You take over the $222,564 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $76,203.94 is due at closing. Uses and sources reconcile at $298,767.96 each. Not a Closing Disclosure.