Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$72,829Cash toward the purchase price.
Closing costs + prepaids$9,182Not just lender fees.
Before credits & paid funds$82,011The complete starting cash picture.
Estimated remaining funds due at closing
$82,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,829.04
Your down payment$72,829.04
Closing costs + prepaids$9,181.77
Total buyer cash needed$82,010.80
Remaining funds due$82,010.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,349.00
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)$293.75
Prepaid interest, first (17 days)$314.02
Fees + prepaids$9,181.77
Your down payment is the seller’s equity. You take over the $162,071 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $82,010.80 is due at closing. Uses and sources reconcile at $244,081.77 each. Not a Closing Disclosure.