Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,706Cash toward the purchase price.
Closing costs + prepaids$8,823Not just lender fees.
Before credits & paid funds$63,529The complete starting cash picture.
Estimated remaining funds due at closing
$63,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,705.91
Your down payment$54,705.91
Closing costs + prepaids$8,823.33
Total buyer cash needed$63,529.24
Remaining funds due$63,529.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,150.00
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)$56.25
Prepaid interest, first (31 days)$392.08
Fees + prepaids$8,823.33
Your down payment is the seller’s equity. You take over the $160,294 balance, so the rest of the $215,000 price is paid at closing. A second mortgage can cover part of it. $63,529.24 is due at closing. Uses and sources reconcile at $223,823.33 each. Not a Closing Disclosure.