Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$88,745Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$99,155The complete starting cash picture.
Estimated remaining funds due at closing
$99,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,744.78
Your down payment$88,744.78
Closing costs + prepaids$10,410.34
Total buyer cash needed$99,155.12
Remaining funds due$99,155.12
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)$699.75
Prepaid interest, first (23 days)$686.59
Fees + prepaids$10,410.34
Your down payment is the seller’s equity. You take over the $191,155 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $99,155.12 is due at closing. Uses and sources reconcile at $290,310.34 each. Not a Closing Disclosure.