Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$68,100Cash toward the purchase price.
Closing costs + prepaids$10,548Not just lender fees.
Before credits & paid funds$78,647The complete starting cash picture.
Estimated remaining funds due at closing
$78,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,099.71
Your down payment$68,099.71
Closing costs + prepaids$10,547.75
Total buyer cash needed$78,647.46
Remaining funds due$78,647.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$384.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (25 days)$389.75
Fees + prepaids$10,547.75
Your down payment is the seller’s equity. You take over the $181,800 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $78,647.46 is due at closing. Uses and sources reconcile at $260,447.75 each. Not a Closing Disclosure.