Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,782Cash toward the purchase price.
Closing costs + prepaids$10,343Not just lender fees.
Before credits & paid funds$91,124The complete starting cash picture.
Estimated remaining funds due at closing
$91,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,781.84
Your down payment$80,781.84
Closing costs + prepaids$10,342.59
Total buyer cash needed$91,124.44
Remaining funds due$91,124.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
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)$955.00
Initial HOA (3 months)$273.00
Prepaid interest, first (30 days)$390.59
Fees + prepaids$10,342.59
Your down payment is the seller’s equity. You take over the $169,118 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $91,124.44 is due at closing. Uses and sources reconcile at $260,242.59 each. Not a Closing Disclosure.