Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$71,674Cash toward the purchase price.
Closing costs + prepaids$10,911Not just lender fees.
Before credits & paid funds$82,585The complete starting cash picture.
Estimated remaining funds due at closing
$82,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,674.18
Your down payment$71,674.18
Closing costs + prepaids$10,910.97
Total buyer cash needed$82,585.15
Remaining funds due$82,585.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,899.00
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)$1,258.75
Initial HOA (3 months)$125.01
Prepaid interest, first (24 days)$403.21
Fees + prepaids$10,910.97
Your down payment is the seller’s equity. You take over the $218,226 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $82,585.15 is due at closing. Uses and sources reconcile at $300,810.97 each. Not a Closing Disclosure.