Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$81,263Cash toward the purchase price.
Closing costs + prepaids$9,969Not just lender fees.
Before credits & paid funds$91,232The complete starting cash picture.
Estimated remaining funds due at closing
$91,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,263.08
Your down payment$81,263.08
Closing costs + prepaids$9,969.28
Total buyer cash needed$91,232.36
Remaining funds due$91,232.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,869.00
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)$344.25
Initial HOA (3 months)$170.01
Prepaid interest, first (9 days)$361.02
Fees + prepaids$9,969.28
Your down payment is the seller’s equity. You take over the $205,637 balance, so the rest of the $286,900 price is paid at closing. A second mortgage can cover part of it. $91,232.36 is due at closing. Uses and sources reconcile at $296,869.28 each. Not a Closing Disclosure.