Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,543Cash toward the purchase price.
Closing costs + prepaids$10,890Not just lender fees.
Before credits & paid funds$91,434The complete starting cash picture.
Estimated remaining funds due at closing
$91,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,543.34
Your down payment$80,543.34
Closing costs + prepaids$10,890.19
Total buyer cash needed$91,433.53
Remaining funds due$91,433.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,790.00
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)$697.50
Prepaid interest, first (30 days)$1,177.69
Fees + prepaids$10,890.19
Your down payment is the seller’s equity. You take over the $198,457 balance, so the rest of the $279,000 price is paid at closing. A second mortgage can cover part of it. $91,433.53 is due at closing. Uses and sources reconcile at $289,890.19 each. Not a Closing Disclosure.