Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$78,175Cash toward the purchase price.
Closing costs + prepaids$10,330Not just lender fees.
Before credits & paid funds$88,505The complete starting cash picture.
Estimated remaining funds due at closing
$88,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,174.97
Your down payment$78,174.97
Closing costs + prepaids$10,330.36
Total buyer cash needed$88,505.32
Remaining funds due$88,505.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,599.00
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)$944.75
Prepaid interest, first (30 days)$561.61
Fees + prepaids$10,330.36
Your down payment is the seller’s equity. You take over the $181,725 balance, so the rest of the $259,900 price is paid at closing. A second mortgage can cover part of it. $88,505.32 is due at closing. Uses and sources reconcile at $270,230.36 each. Not a Closing Disclosure.