Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,936Cash toward the purchase price.
Closing costs + prepaids$10,803Not just lender fees.
Before credits & paid funds$88,739The complete starting cash picture.
Estimated remaining funds due at closing
$88,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,935.55
Your down payment$77,935.55
Closing costs + prepaids$10,803.36
Total buyer cash needed$88,738.92
Remaining funds due$88,738.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,450.00
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)$785.75
Initial HOA (3 months)$873.00
Prepaid interest, first (27 days)$469.61
Fees + prepaids$10,803.36
Your down payment is the seller’s equity. You take over the $167,064 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $88,738.92 is due at closing. Uses and sources reconcile at $255,803.36 each. Not a Closing Disclosure.