Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$63,232Cash toward the purchase price.
Closing costs + prepaids$8,982Not just lender fees.
Before credits & paid funds$72,214The complete starting cash picture.
Estimated remaining funds due at closing
$72,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,231.95
Your down payment$63,231.95
Closing costs + prepaids$8,981.63
Total buyer cash needed$72,213.58
Remaining funds due$72,213.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,149.00
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)$548.00
Prepaid interest, first (5 days)$59.63
Fees + prepaids$8,981.63
Your down payment is the seller’s equity. You take over the $151,668 balance, so the rest of the $214,900 price is paid at closing. A second mortgage can cover part of it. $72,213.58 is due at closing. Uses and sources reconcile at $223,881.63 each. Not a Closing Disclosure.