Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$83,403Cash toward the purchase price.
Closing costs + prepaids$10,157Not just lender fees.
Before credits & paid funds$93,560The complete starting cash picture.
Estimated remaining funds due at closing
$93,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,402.74
Your down payment$83,402.74
Closing costs + prepaids$10,156.98
Total buyer cash needed$93,559.72
Remaining funds due$93,559.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.95
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)$500.00
Initial HOA (3 months)$156.00
Prepaid interest, first (19 days)$326.03
Fees + prepaids$10,156.98
Your down payment is the seller’s equity. You take over the $211,592 balance, so the rest of the $294,995 price is paid at closing. A second mortgage can cover part of it. $93,559.72 is due at closing. Uses and sources reconcile at $305,151.98 each. Not a Closing Disclosure.