Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$57,217Cash toward the purchase price.
Closing costs + prepaids$10,684Not just lender fees.
Before credits & paid funds$67,902The complete starting cash picture.
Estimated remaining funds due at closing
$67,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,217.39
Your down payment$57,217.39
Closing costs + prepaids$10,684.36
Total buyer cash needed$67,901.74
Remaining funds due$67,901.74
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)$577.25
Initial HOA (3 months)$450.00
Prepaid interest, first (23 days)$683.11
Fees + prepaids$10,684.36
Your down payment is the seller’s equity. You take over the $217,683 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $67,901.74 is due at closing. Uses and sources reconcile at $285,584.36 each. Not a Closing Disclosure.