Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,306Cash toward the purchase price.
Closing costs + prepaids$10,897Not just lender fees.
Before credits & paid funds$104,203The complete starting cash picture.
Estimated remaining funds due at closing
$104,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,305.90
Your down payment$93,305.90
Closing costs + prepaids$10,897.13
Total buyer cash needed$104,203.03
Remaining funds due$104,203.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$394.75
Initial HOA (3 months)$1,170.00
Prepaid interest, first (23 days)$417.38
Fees + prepaids$10,897.13
Your down payment is the seller’s equity. You take over the $175,694 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $104,203.03 is due at closing. Uses and sources reconcile at $279,897.13 each. Not a Closing Disclosure.