Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$80,261Cash toward the purchase price.
Closing costs + prepaids$10,508Not just lender fees.
Before credits & paid funds$90,770The complete starting cash picture.
Estimated remaining funds due at closing
$90,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,261.47
Your down payment$80,261.47
Closing costs + prepaids$10,508.13
Total buyer cash needed$90,769.60
Remaining funds due$90,769.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,540.00
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)$635.00
Initial HOA (3 months)$720.00
Prepaid interest, first (27 days)$388.13
Fees + prepaids$10,508.13
Your down payment is the seller’s equity. You take over the $173,739 balance, so the rest of the $254,000 price is paid at closing. A second mortgage can cover part of it. $90,769.60 is due at closing. Uses and sources reconcile at $264,508.13 each. Not a Closing Disclosure.