Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,006Cash toward the purchase price.
Closing costs + prepaids$10,806Not just lender fees.
Before credits & paid funds$80,812The complete starting cash picture.
Estimated remaining funds due at closing
$80,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,005.86
Your down payment$70,005.86
Closing costs + prepaids$10,805.79
Total buyer cash needed$80,811.66
Remaining funds due$80,811.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,620.00
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)$904.75
Initial HOA (3 months)$1,041.00
Prepaid interest, first (1 days)$15.04
Fees + prepaids$10,805.79
Your down payment is the seller’s equity. You take over the $191,994 balance, so the rest of the $262,000 price is paid at closing. A second mortgage can cover part of it. $80,811.66 is due at closing. Uses and sources reconcile at $272,805.79 each. Not a Closing Disclosure.