Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$84,250Cash toward the purchase price.
Closing costs + prepaids$10,482Not just lender fees.
Before credits & paid funds$94,731The complete starting cash picture.
Estimated remaining funds due at closing
$94,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,249.59
Your down payment$84,249.59
Closing costs + prepaids$10,481.64
Total buyer cash needed$94,731.23
Remaining funds due$94,731.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
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)$324.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (6 days)$108.64
Fees + prepaids$10,481.64
Your down payment is the seller’s equity. You take over the $185,650 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $94,731.23 is due at closing. Uses and sources reconcile at $280,381.64 each. Not a Closing Disclosure.