Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$68,167Cash toward the purchase price.
Closing costs + prepaids$10,248Not just lender fees.
Before credits & paid funds$78,416The complete starting cash picture.
Estimated remaining funds due at closing
$78,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,167.49
Your down payment$68,167.49
Closing costs + prepaids$10,248.38
Total buyer cash needed$78,415.87
Remaining funds due$78,415.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$564.50
Initial HOA (3 months)$600.00
Prepaid interest, first (26 days)$359.88
Fees + prepaids$10,248.38
Your down payment is the seller’s equity. You take over the $181,733 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $78,415.87 is due at closing. Uses and sources reconcile at $260,148.38 each. Not a Closing Disclosure.