Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$82,463Cash toward the purchase price.
Closing costs + prepaids$9,056Not just lender fees.
Before credits & paid funds$91,519The complete starting cash picture.
Estimated remaining funds due at closing
$91,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,463.48
Your down payment$82,463.48
Closing costs + prepaids$9,055.92
Total buyer cash needed$91,519.41
Remaining funds due$91,519.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$282.00
Prepaid interest, first (17 days)$198.92
Fees + prepaids$9,055.92
Your down payment is the seller’s equity. You take over the $152,537 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $91,519.41 is due at closing. Uses and sources reconcile at $244,055.92 each. Not a Closing Disclosure.