Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$54,887Cash toward the purchase price.
Closing costs + prepaids$9,783Not just lender fees.
Before credits & paid funds$64,671The complete starting cash picture.
Estimated remaining funds due at closing
$64,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,887.19
Your down payment$54,887.19
Closing costs + prepaids$9,783.38
Total buyer cash needed$64,670.57
Remaining funds due$64,670.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$336.00
Initial HOA (3 months)$252.00
Prepaid interest, first (10 days)$171.38
Fees + prepaids$9,783.38
Your down payment is the seller’s equity. You take over the $225,013 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $64,670.57 is due at closing. Uses and sources reconcile at $289,683.38 each. Not a Closing Disclosure.