Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$73,645Cash toward the purchase price.
Closing costs + prepaids$10,294Not just lender fees.
Before credits & paid funds$83,939The complete starting cash picture.
Estimated remaining funds due at closing
$83,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,645.24
Your down payment$73,645.24
Closing costs + prepaids$10,294.01
Total buyer cash needed$83,939.25
Remaining funds due$83,939.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,890.00
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)$712.25
Prepaid interest, first (27 days)$466.76
Fees + prepaids$10,294.01
Your down payment is the seller’s equity. You take over the $215,355 balance, so the rest of the $289,000 price is paid at closing. A second mortgage can cover part of it. $83,939.25 is due at closing. Uses and sources reconcile at $299,294.01 each. Not a Closing Disclosure.