Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$93,306Cash toward the purchase price.
Closing costs + prepaids$11,042Not just lender fees.
Before credits & paid funds$104,348The complete starting cash picture.
Estimated remaining funds due at closing
$104,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,305.90
Your down payment$93,305.90
Closing costs + prepaids$11,042.31
Total buyer cash needed$104,348.21
Remaining funds due$104,348.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,690.00
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)$394.75
Initial HOA (3 months)$1,170.00
Prepaid interest, first (31 days)$562.56
Fees + prepaids$11,042.31
Your down payment is the seller’s equity. You take over the $175,694 balance, so the rest of the $269,000 price is paid at closing. A second mortgage can cover part of it. $104,348.21 is due at closing. Uses and sources reconcile at $280,042.31 each. Not a Closing Disclosure.