Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$83,403Cash toward the purchase price.
Closing costs + prepaids$10,191Not just lender fees.
Before credits & paid funds$93,594The complete starting cash picture.
Estimated remaining funds due at closing
$93,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,402.74
Your down payment$83,402.74
Closing costs + prepaids$10,191.29
Total buyer cash needed$93,594.04
Remaining funds due$93,594.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.95
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)$500.00
Initial HOA (3 months)$156.00
Prepaid interest, first (21 days)$360.34
Fees + prepaids$10,191.29
Your down payment is the seller’s equity. You take over the $211,592 balance, so the rest of the $294,995 price is paid at closing. A second mortgage can cover part of it. $93,594.04 is due at closing. Uses and sources reconcile at $305,186.29 each. Not a Closing Disclosure.