Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$74,267Cash toward the purchase price.
Closing costs + prepaids$10,862Not just lender fees.
Before credits & paid funds$85,130The complete starting cash picture.
Estimated remaining funds due at closing
$85,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,267.42
Your down payment$74,267.42
Closing costs + prepaids$10,862.34
Total buyer cash needed$85,129.76
Remaining funds due$85,129.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$1,236.25
Prepaid interest, first (27 days)$452.09
Fees + prepaids$10,862.34
Your down payment is the seller’s equity. You take over the $220,633 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $85,129.76 is due at closing. Uses and sources reconcile at $305,762.34 each. Not a Closing Disclosure.