Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$77,472Cash toward the purchase price.
Closing costs + prepaids$11,219Not just lender fees.
Before credits & paid funds$88,690The complete starting cash picture.
Estimated remaining funds due at closing
$88,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,471.58
Your down payment$77,471.58
Closing costs + prepaids$11,218.81
Total buyer cash needed$88,690.39
Remaining funds due$88,690.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,449.00
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)$734.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (24 days)$385.31
Fees + prepaids$11,218.81
Your down payment is the seller’s equity. You take over the $167,428 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $88,690.39 is due at closing. Uses and sources reconcile at $256,118.81 each. Not a Closing Disclosure.