Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$76,069Cash toward the purchase price.
Closing costs + prepaids$11,199Not just lender fees.
Before credits & paid funds$87,268The complete starting cash picture.
Estimated remaining funds due at closing
$87,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,068.84
Your down payment$76,068.84
Closing costs + prepaids$11,199.13
Total buyer cash needed$87,267.97
Remaining funds due$87,267.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,930.00
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)$747.25
Initial HOA (3 months)$1,200.00
Prepaid interest, first (5 days)$96.88
Fees + prepaids$11,199.13
Your down payment is the seller’s equity. You take over the $216,931 balance, so the rest of the $293,000 price is paid at closing. A second mortgage can cover part of it. $87,267.97 is due at closing. Uses and sources reconcile at $304,199.13 each. Not a Closing Disclosure.