Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$70,854Cash toward the purchase price.
Closing costs + prepaids$10,752Not just lender fees.
Before credits & paid funds$81,606The complete starting cash picture.
Estimated remaining funds due at closing
$81,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,854.05
Your down payment$70,854.05
Closing costs + prepaids$10,751.66
Total buyer cash needed$81,605.72
Remaining funds due$81,605.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$431.25
Prepaid interest, first (28 days)$1,196.41
Fees + prepaids$10,751.66
Your down payment is the seller’s equity. You take over the $219,046 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $81,605.72 is due at closing. Uses and sources reconcile at $300,651.66 each. Not a Closing Disclosure.