Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,217Cash toward the purchase price.
Closing costs + prepaids$9,885Not just lender fees.
Before credits & paid funds$73,102The complete starting cash picture.
Estimated remaining funds due at closing
$73,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,216.73
Your down payment$63,216.73
Closing costs + prepaids$9,885.23
Total buyer cash needed$73,101.97
Remaining funds due$73,101.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,640.00
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)$401.50
Initial HOA (3 months)$172.50
Prepaid interest, first (26 days)$446.23
Fees + prepaids$9,885.23
Your down payment is the seller’s equity. You take over the $200,783 balance, so the rest of the $264,000 price is paid at closing. A second mortgage can cover part of it. $73,101.97 is due at closing. Uses and sources reconcile at $273,885.23 each. Not a Closing Disclosure.