Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$65,728Cash toward the purchase price.
Closing costs + prepaids$10,567Not just lender fees.
Before credits & paid funds$76,295The complete starting cash picture.
Estimated remaining funds due at closing
$76,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,727.55
Your down payment$65,727.55
Closing costs + prepaids$10,567.35
Total buyer cash needed$76,294.90
Remaining funds due$76,294.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,940.00
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)$735.00
Initial HOA (3 months)$21.75
Prepaid interest, first (31 days)$645.60
Fees + prepaids$10,567.35
Your down payment is the seller’s equity. You take over the $228,272 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $76,294.90 is due at closing. Uses and sources reconcile at $304,567.35 each. Not a Closing Disclosure.