Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$77,449Cash toward the purchase price.
Closing costs + prepaids$10,305Not just lender fees.
Before credits & paid funds$87,754The complete starting cash picture.
Estimated remaining funds due at closing
$87,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,449.26
Your down payment$77,449.26
Closing costs + prepaids$10,304.51
Total buyer cash needed$87,753.77
Remaining funds due$87,753.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,939.98
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)$17.75
Prepaid interest, first (29 days)$1,121.78
Fees + prepaids$10,304.51
Your down payment is the seller’s equity. You take over the $216,549 balance, so the rest of the $293,998 price is paid at closing. A second mortgage can cover part of it. $87,753.77 is due at closing. Uses and sources reconcile at $304,302.51 each. Not a Closing Disclosure.