Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$77,623Cash toward the purchase price.
Closing costs + prepaids$10,517Not just lender fees.
Before credits & paid funds$88,140The complete starting cash picture.
Estimated remaining funds due at closing
$88,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,623.31
Your down payment$77,623.31
Closing costs + prepaids$10,516.60
Total buyer cash needed$88,139.91
Remaining funds due$88,139.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,529.00
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)$645.00
Initial HOA (3 months)$1,074.00
Prepaid interest, first (4 days)$43.60
Fees + prepaids$10,516.60
Your down payment is the seller’s equity. You take over the $175,277 balance, so the rest of the $252,900 price is paid at closing. A second mortgage can cover part of it. $88,139.91 is due at closing. Uses and sources reconcile at $263,416.60 each. Not a Closing Disclosure.