Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$77,668Cash toward the purchase price.
Closing costs + prepaids$11,480Not just lender fees.
Before credits & paid funds$89,148The complete starting cash picture.
Estimated remaining funds due at closing
$89,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,667.95
Your down payment$77,667.95
Closing costs + prepaids$11,480.20
Total buyer cash needed$89,148.15
Remaining funds due$89,148.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$536.00
Initial HOA (3 months)$1,500.00
Prepaid interest, first (24 days)$420.20
Fees + prepaids$11,480.20
Your down payment is the seller’s equity. You take over the $202,232 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $89,148.15 is due at closing. Uses and sources reconcile at $291,380.20 each. Not a Closing Disclosure.