Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$79,316Cash toward the purchase price.
Closing costs + prepaids$9,412Not just lender fees.
Before credits & paid funds$88,728The complete starting cash picture.
Estimated remaining funds due at closing
$88,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,316.18
Your down payment$79,316.18
Closing costs + prepaids$9,412.30
Total buyer cash needed$88,728.49
Remaining funds due$88,728.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
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)$300.00
Initial HOA (3 months)$240.00
Prepaid interest, first (9 days)$147.30
Fees + prepaids$9,412.30
Your down payment is the seller’s equity. You take over the $170,684 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $88,728.49 is due at closing. Uses and sources reconcile at $259,412.30 each. Not a Closing Disclosure.