Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$54,706Cash toward the purchase price.
Closing costs + prepaids$8,759Not just lender fees.
Before credits & paid funds$63,465The complete starting cash picture.
Estimated remaining funds due at closing
$63,465No 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$8,759.48
Total buyer cash needed$63,465.38
Remaining funds due$63,465.38
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)$258.00
Prepaid interest, first (10 days)$126.48
Fees + prepaids$8,759.48
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. $63,465.38 is due at closing. Uses and sources reconcile at $223,759.48 each. Not a Closing Disclosure.