Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$77,360Cash toward the purchase price.
Closing costs + prepaids$8,768Not just lender fees.
Before credits & paid funds$86,129The complete starting cash picture.
Estimated remaining funds due at closing
$86,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,360.06
Your down payment$77,360.06
Closing costs + prepaids$8,768.47
Total buyer cash needed$86,128.53
Remaining funds due$86,128.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,170.00
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)$298.25
Initial HOA (3 months)$1,044.00
Prepaid interest, first (5 days)$31.22
Fees + prepaids$8,768.47
Your down payment is the seller’s equity. You take over the $39,640 balance, so the rest of the $117,000 price is paid at closing. A second mortgage can cover part of it. $86,128.53 is due at closing. Uses and sources reconcile at $125,768.47 each. Not a Closing Disclosure.