Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$69,164Cash toward the purchase price.
Closing costs + prepaids$8,988Not just lender fees.
Before credits & paid funds$78,151The complete starting cash picture.
Estimated remaining funds due at closing
$78,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,163.93
Your down payment$69,163.93
Closing costs + prepaids$8,987.54
Total buyer cash needed$78,151.48
Remaining funds due$78,151.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,300.00
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)$374.25
Initial HOA (3 months)$63.00
Prepaid interest, first (2 days)$25.29
Fees + prepaids$8,987.54
Your down payment is the seller’s equity. You take over the $160,836 balance, so the rest of the $230,000 price is paid at closing. A second mortgage can cover part of it. $78,151.48 is due at closing. Uses and sources reconcile at $238,987.54 each. Not a Closing Disclosure.