Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$63,940Cash toward the purchase price.
Closing costs + prepaids$9,788Not just lender fees.
Before credits & paid funds$73,728The complete starting cash picture.
Estimated remaining funds due at closing
$73,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,939.96
Your down payment$63,939.96
Closing costs + prepaids$9,788.45
Total buyer cash needed$73,728.41
Remaining funds due$73,728.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,549.00
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)$186.00
Initial HOA (3 months)$1,719.00
Prepaid interest, first (12 days)$109.45
Fees + prepaids$9,788.45
Your down payment is the seller’s equity. You take over the $90,960 balance, so the rest of the $154,900 price is paid at closing. A second mortgage can cover part of it. $73,728.41 is due at closing. Uses and sources reconcile at $164,688.45 each. Not a Closing Disclosure.