Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,483Cash toward the purchase price.
Closing costs + prepaids$10,371Not just lender fees.
Before credits & paid funds$87,853The complete starting cash picture.
Estimated remaining funds due at closing
$87,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,482.52
Your down payment$77,482.52
Closing costs + prepaids$10,370.88
Total buyer cash needed$87,853.40
Remaining funds due$87,853.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,940.00
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)$735.00
Prepaid interest, first (27 days)$470.88
Fees + prepaids$10,370.88
Your down payment is the seller’s equity. You take over the $216,517 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $87,853.40 is due at closing. Uses and sources reconcile at $304,370.88 each. Not a Closing Disclosure.