Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$82,081Cash toward the purchase price.
Closing costs + prepaids$9,533Not just lender fees.
Before credits & paid funds$91,615The complete starting cash picture.
Estimated remaining funds due at closing
$91,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,081.40
Your down payment$82,081.40
Closing costs + prepaids$9,533.47
Total buyer cash needed$91,614.87
Remaining funds due$91,614.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.99
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)$663.00
Prepaid interest, first (3 days)$45.48
Fees + prepaids$9,533.47
Your down payment is the seller’s equity. You take over the $177,918 balance, so the rest of the $259,999 price is paid at closing. A second mortgage can cover part of it. $91,614.87 is due at closing. Uses and sources reconcile at $269,532.47 each. Not a Closing Disclosure.