Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$83,658Cash toward the purchase price.
Closing costs + prepaids$10,349Not just lender fees.
Before credits & paid funds$94,006The complete starting cash picture.
Estimated remaining funds due at closing
$94,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,657.62
Your down payment$83,657.62
Closing costs + prepaids$10,348.65
Total buyer cash needed$94,006.28
Remaining funds due$94,006.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$399.25
Prepaid interest, first (26 days)$925.40
Fees + prepaids$10,348.65
Your down payment is the seller’s equity. You take over the $196,242 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $94,006.28 is due at closing. Uses and sources reconcile at $290,248.65 each. Not a Closing Disclosure.