Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$77,313Cash toward the purchase price.
Closing costs + prepaids$11,177Not just lender fees.
Before credits & paid funds$88,490The complete starting cash picture.
Estimated remaining funds due at closing
$88,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,312.58
Your down payment$77,312.58
Closing costs + prepaids$11,177.18
Total buyer cash needed$88,489.77
Remaining funds due$88,489.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.99
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)$1,213.00
Initial HOA (3 months)$270.00
Prepaid interest, first (24 days)$419.19
Fees + prepaids$11,177.18
Your down payment is the seller’s equity. You take over the $227,686 balance, so the rest of the $304,999 price is paid at closing. A second mortgage can cover part of it. $88,489.77 is due at closing. Uses and sources reconcile at $316,176.18 each. Not a Closing Disclosure.