Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$69,233Cash toward the purchase price.
Closing costs + prepaids$10,407Not just lender fees.
Before credits & paid funds$79,640The complete starting cash picture.
Estimated remaining funds due at closing
$79,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,233.35
Your down payment$69,233.35
Closing costs + prepaids$10,406.77
Total buyer cash needed$79,640.12
Remaining funds due$79,640.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.95
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)$685.50
Prepaid interest, first (31 days)$696.32
Fees + prepaids$10,406.77
Your down payment is the seller’s equity. You take over the $210,762 balance, so the rest of the $279,995 price is paid at closing. A second mortgage can cover part of it. $79,640.12 is due at closing. Uses and sources reconcile at $290,401.77 each. Not a Closing Disclosure.