Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$79,539Cash toward the purchase price.
Closing costs + prepaids$10,209Not just lender fees.
Before credits & paid funds$89,749The complete starting cash picture.
Estimated remaining funds due at closing
$89,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,539.38
Your down payment$79,539.38
Closing costs + prepaids$10,209.46
Total buyer cash needed$89,748.84
Remaining funds due$89,748.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$295.00
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$539.46
Fees + prepaids$10,209.46
Your down payment is the seller’s equity. You take over the $175,461 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $89,748.84 is due at closing. Uses and sources reconcile at $265,209.46 each. Not a Closing Disclosure.