Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$81,850Cash toward the purchase price.
Closing costs + prepaids$12,396Not just lender fees.
Before credits & paid funds$94,245The complete starting cash picture.
Estimated remaining funds due at closing
$94,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,849.64
Your down payment$81,849.64
Closing costs + prepaids$12,395.61
Total buyer cash needed$94,245.25
Remaining funds due$94,245.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,995.00
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)$359.50
Initial HOA (3 months)$2,595.00
Prepaid interest, first (6 days)$221.11
Fees + prepaids$12,395.61
Your down payment is the seller’s equity. You take over the $217,650 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $94,245.25 is due at closing. Uses and sources reconcile at $311,895.61 each. Not a Closing Disclosure.