Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$63,794Cash toward the purchase price.
Closing costs + prepaids$9,976Not just lender fees.
Before credits & paid funds$73,769The complete starting cash picture.
Estimated remaining funds due at closing
$73,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,793.51
Your down payment$63,793.51
Closing costs + prepaids$9,975.68
Total buyer cash needed$73,769.19
Remaining funds due$73,769.19
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)$300.50
Initial HOA (3 months)$138.00
Prepaid interest, first (21 days)$372.18
Fees + prepaids$9,975.68
Your down payment is the seller’s equity. You take over the $230,206 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $73,769.19 is due at closing. Uses and sources reconcile at $303,975.68 each. Not a Closing Disclosure.