Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$81,512Cash toward the purchase price.
Closing costs + prepaids$10,928Not just lender fees.
Before credits & paid funds$92,440The complete starting cash picture.
Estimated remaining funds due at closing
$92,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,512.28
Your down payment$81,512.28
Closing costs + prepaids$10,927.60
Total buyer cash needed$92,439.89
Remaining funds due$92,439.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$314.50
Initial HOA (3 months)$960.00
Prepaid interest, first (24 days)$428.11
Fees + prepaids$10,927.60
Your down payment is the seller’s equity. You take over the $218,487 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $92,439.89 is due at closing. Uses and sources reconcile at $310,926.60 each. Not a Closing Disclosure.