Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$66,256Cash toward the purchase price.
Closing costs + prepaids$8,669Not just lender fees.
Before credits & paid funds$74,925The complete starting cash picture.
Estimated remaining funds due at closing
$74,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,256.14
Your down payment$66,256.14
Closing costs + prepaids$8,669.23
Total buyer cash needed$74,925.37
Remaining funds due$74,925.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,090.00
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)$250.75
Prepaid interest, first (6 days)$103.48
Fees + prepaids$8,669.23
Your down payment is the seller’s equity. You take over the $142,744 balance, so the rest of the $209,000 price is paid at closing. A second mortgage can cover part of it. $74,925.37 is due at closing. Uses and sources reconcile at $217,669.23 each. Not a Closing Disclosure.