Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,465Cash toward the purchase price.
Closing costs + prepaids$9,835Not just lender fees.
Before credits & paid funds$88,300The complete starting cash picture.
Estimated remaining funds due at closing
$88,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,465.35
Your down payment$78,465.35
Closing costs + prepaids$9,834.50
Total buyer cash needed$88,299.85
Remaining funds due$88,299.85
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)$245.00
Prepaid interest, first (28 days)$465.50
Fees + prepaids$9,834.50
Your down payment is the seller’s equity. You take over the $211,435 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $88,299.85 is due at closing. Uses and sources reconcile at $299,734.50 each. Not a Closing Disclosure.