Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,517Cash toward the purchase price.
Closing costs + prepaids$10,118Not just lender fees.
Before credits & paid funds$91,635The complete starting cash picture.
Estimated remaining funds due at closing
$91,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,517.24
Your down payment$81,517.24
Closing costs + prepaids$10,117.84
Total buyer cash needed$91,635.08
Remaining funds due$91,635.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$918.75
Prepaid interest, first (25 days)$375.09
Fees + prepaids$10,117.84
Your down payment is the seller’s equity. You take over the $178,383 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $91,635.08 is due at closing. Uses and sources reconcile at $270,017.84 each. Not a Closing Disclosure.