Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$62,380Cash toward the purchase price.
Closing costs + prepaids$11,673Not just lender fees.
Before credits & paid funds$74,053The complete starting cash picture.
Estimated remaining funds due at closing
$74,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,380.03
Your down payment$62,380.03
Closing costs + prepaids$11,673.07
Total buyer cash needed$74,053.10
Remaining funds due$74,053.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.95
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)$1,285.25
Initial HOA (3 months)$387.00
Prepaid interest, first (22 days)$975.87
Fees + prepaids$11,673.07
Your down payment is the seller’s equity. You take over the $217,615 balance, so the rest of the $279,995 price is paid at closing. A second mortgage can cover part of it. $74,053.10 is due at closing. Uses and sources reconcile at $291,668.07 each. Not a Closing Disclosure.