Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$78,215Cash toward the purchase price.
Closing costs + prepaids$10,367Not just lender fees.
Before credits & paid funds$88,582The complete starting cash picture.
Estimated remaining funds due at closing
$88,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,215.04
Your down payment$78,215.04
Closing costs + prepaids$10,367.26
Total buyer cash needed$88,582.30
Remaining funds due$88,582.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.99
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)$232.25
Initial HOA (3 months)$615.00
Prepaid interest, first (23 days)$395.02
Fees + prepaids$10,367.26
Your down payment is the seller’s equity. You take over the $211,784 balance, so the rest of the $289,999 price is paid at closing. A second mortgage can cover part of it. $88,582.30 is due at closing. Uses and sources reconcile at $300,366.26 each. Not a Closing Disclosure.