Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,384Cash toward the purchase price.
Closing costs + prepaids$11,651Not just lender fees.
Before credits & paid funds$87,035The complete starting cash picture.
Estimated remaining funds due at closing
$87,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,383.80
Your down payment$75,383.80
Closing costs + prepaids$11,650.82
Total buyer cash needed$87,034.62
Remaining funds due$87,034.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,770.00
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)$2,108.00
Initial HOA (3 months)$51.24
Prepaid interest, first (31 days)$496.58
Fees + prepaids$11,650.82
Your down payment is the seller’s equity. You take over the $201,616 balance, so the rest of the $277,000 price is paid at closing. A second mortgage can cover part of it. $87,034.62 is due at closing. Uses and sources reconcile at $288,650.82 each. Not a Closing Disclosure.