Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$70,462Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$81,859The complete starting cash picture.
Estimated remaining funds due at closing
$81,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,461.88
Your down payment$70,461.88
Closing costs + prepaids$11,397.54
Total buyer cash needed$81,859.42
Remaining funds due$81,859.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$148.00
Initial HOA (3 months)$1,491.00
Prepaid interest, first (21 days)$784.54
Fees + prepaids$11,397.54
Your down payment is the seller’s equity. You take over the $204,438 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $81,859.42 is due at closing. Uses and sources reconcile at $286,297.54 each. Not a Closing Disclosure.