Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,041Cash toward the purchase price.
Closing costs + prepaids$10,339Not just lender fees.
Before credits & paid funds$86,380The complete starting cash picture.
Estimated remaining funds due at closing
$86,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,041.06
Your down payment$76,041.06
Closing costs + prepaids$10,338.62
Total buyer cash needed$86,379.69
Remaining funds due$86,379.69
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)$531.25
Prepaid interest, first (25 days)$792.37
Fees + prepaids$10,338.62
Your down payment is the seller’s equity. You take over the $202,959 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $86,379.69 is due at closing. Uses and sources reconcile at $289,338.62 each. Not a Closing Disclosure.