Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$65,938Cash toward the purchase price.
Closing costs + prepaids$11,278Not just lender fees.
Before credits & paid funds$77,216The complete starting cash picture.
Estimated remaining funds due at closing
$77,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,937.96
Your down payment$65,937.96
Closing costs + prepaids$11,278.00
Total buyer cash needed$77,215.96
Remaining funds due$77,215.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,558.50
Initial HOA (3 months)$94.50
Prepaid interest, first (23 days)$501.00
Fees + prepaids$11,278.00
Your down payment is the seller’s equity. You take over the $223,962 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $77,215.96 is due at closing. Uses and sources reconcile at $301,178.00 each. Not a Closing Disclosure.