Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$73,528Cash toward the purchase price.
Closing costs + prepaids$9,651Not just lender fees.
Before credits & paid funds$83,179The complete starting cash picture.
Estimated remaining funds due at closing
$83,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,528.12
Your down payment$73,528.12
Closing costs + prepaids$9,650.70
Total buyer cash needed$83,178.82
Remaining funds due$83,178.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,695.00
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)$323.50
Initial HOA (3 months)$199.74
Prepaid interest, first (6 days)$207.46
Fees + prepaids$9,650.70
Your down payment is the seller’s equity. You take over the $195,972 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $83,178.82 is due at closing. Uses and sources reconcile at $279,150.70 each. Not a Closing Disclosure.