Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$88,313Cash toward the purchase price.
Closing costs + prepaids$10,352Not just lender fees.
Before credits & paid funds$98,665The complete starting cash picture.
Estimated remaining funds due at closing
$98,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,312.94
Your down payment$88,312.94
Closing costs + prepaids$10,351.61
Total buyer cash needed$98,664.55
Remaining funds due$98,664.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$1,098.75
Prepaid interest, first (25 days)$337.86
Fees + prepaids$10,351.61
Your down payment is the seller’s equity. You take over the $180,687 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $98,664.55 is due at closing. Uses and sources reconcile at $279,351.61 each. Not a Closing Disclosure.