Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$80,333Cash toward the purchase price.
Closing costs + prepaids$10,406Not just lender fees.
Before credits & paid funds$90,739The complete starting cash picture.
Estimated remaining funds due at closing
$90,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,333.14
Your down payment$80,333.14
Closing costs + prepaids$10,405.82
Total buyer cash needed$90,738.96
Remaining funds due$90,738.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$388.50
Prepaid interest, first (29 days)$1,002.32
Fees + prepaids$10,405.82
Your down payment is the seller’s equity. You take over the $198,667 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $90,738.96 is due at closing. Uses and sources reconcile at $289,405.82 each. Not a Closing Disclosure.