Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$77,661Cash toward the purchase price.
Closing costs + prepaids$10,191Not just lender fees.
Before credits & paid funds$87,852The complete starting cash picture.
Estimated remaining funds due at closing
$87,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,660.53
Your down payment$77,660.53
Closing costs + prepaids$10,191.25
Total buyer cash needed$87,851.78
Remaining funds due$87,851.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,569.00
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)$308.25
Initial HOA (3 months)$990.00
Prepaid interest, first (7 days)$99.00
Fees + prepaids$10,191.25
Your down payment is the seller’s equity. You take over the $179,239 balance, so the rest of the $256,900 price is paid at closing. A second mortgage can cover part of it. $87,851.78 is due at closing. Uses and sources reconcile at $267,091.25 each. Not a Closing Disclosure.