Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$65,928Cash toward the purchase price.
Closing costs + prepaids$9,922Not just lender fees.
Before credits & paid funds$75,850The complete starting cash picture.
Estimated remaining funds due at closing
$75,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,928.06
Your down payment$65,928.06
Closing costs + prepaids$9,922.44
Total buyer cash needed$75,850.50
Remaining funds due$75,850.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$299.75
Initial HOA (3 months)$165.00
Prepaid interest, first (27 days)$433.69
Fees + prepaids$9,922.44
Your down payment is the seller’s equity. You take over the $213,972 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $75,850.50 is due at closing. Uses and sources reconcile at $289,822.44 each. Not a Closing Disclosure.