Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$59,333Cash toward the purchase price.
Closing costs + prepaids$11,649Not just lender fees.
Before credits & paid funds$70,981The complete starting cash picture.
Estimated remaining funds due at closing
$70,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,332.53
Your down payment$59,332.53
Closing costs + prepaids$11,648.66
Total buyer cash needed$70,981.19
Remaining funds due$70,981.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$849.25
Initial HOA (3 months)$834.00
Prepaid interest, first (24 days)$950.41
Fees + prepaids$11,648.66
Your down payment is the seller’s equity. You take over the $219,667 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $70,981.19 is due at closing. Uses and sources reconcile at $290,648.66 each. Not a Closing Disclosure.