Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$88,768Cash toward the purchase price.
Closing costs + prepaids$11,106Not just lender fees.
Before credits & paid funds$99,874The complete starting cash picture.
Estimated remaining funds due at closing
$99,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,767.58
Your down payment$88,767.58
Closing costs + prepaids$11,106.23
Total buyer cash needed$99,873.81
Remaining funds due$99,873.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$871.50
Initial HOA (3 months)$885.00
Prepaid interest, first (24 days)$375.73
Fees + prepaids$11,106.23
Your down payment is the seller’s equity. You take over the $186,132 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $99,873.81 is due at closing. Uses and sources reconcile at $286,006.23 each. Not a Closing Disclosure.