Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$75,882Cash toward the purchase price.
Closing costs + prepaids$10,045Not just lender fees.
Before credits & paid funds$85,927The complete starting cash picture.
Estimated remaining funds due at closing
$85,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,882.15
Your down payment$75,882.15
Closing costs + prepaids$10,045.11
Total buyer cash needed$85,927.26
Remaining funds due$85,927.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$752.00
Prepaid interest, first (5 days)$119.11
Fees + prepaids$10,045.11
Your down payment is the seller’s equity. You take over the $219,018 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $85,927.26 is due at closing. Uses and sources reconcile at $304,945.11 each. Not a Closing Disclosure.