Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$88,473Cash toward the purchase price.
Closing costs + prepaids$9,784Not just lender fees.
Before credits & paid funds$98,256The complete starting cash picture.
Estimated remaining funds due at closing
$98,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,472.94
Your down payment$88,472.94
Closing costs + prepaids$9,783.54
Total buyer cash needed$98,256.48
Remaining funds due$98,256.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$699.75
Prepaid interest, first (2 days)$59.79
Fees + prepaids$9,783.54
Your down payment is the seller’s equity. You take over the $191,427 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $98,256.48 is due at closing. Uses and sources reconcile at $289,683.54 each. Not a Closing Disclosure.