Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,701Cash toward the purchase price.
Closing costs + prepaids$10,863Not just lender fees.
Before credits & paid funds$88,564The complete starting cash picture.
Estimated remaining funds due at closing
$88,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,700.55
Your down payment$77,700.55
Closing costs + prepaids$10,862.97
Total buyer cash needed$88,563.52
Remaining funds due$88,563.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$757.75
Initial HOA (3 months)$900.00
Prepaid interest, first (26 days)$680.22
Fees + prepaids$10,862.97
Your down payment is the seller’s equity. You take over the $152,299 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $88,563.52 is due at closing. Uses and sources reconcile at $240,862.97 each. Not a Closing Disclosure.