Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,381Cash toward the purchase price.
Closing costs + prepaids$10,214Not just lender fees.
Before credits & paid funds$90,595The complete starting cash picture.
Estimated remaining funds due at closing
$90,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,381.02
Your down payment$80,381.02
Closing costs + prepaids$10,214.39
Total buyer cash needed$90,595.41
Remaining funds due$90,595.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$468.00
Initial HOA (3 months)$138.00
Prepaid interest, first (26 days)$833.39
Fees + prepaids$10,214.39
Your down payment is the seller’s equity. You take over the $174,619 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $90,595.41 is due at closing. Uses and sources reconcile at $265,214.39 each. Not a Closing Disclosure.