Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,621Cash toward the purchase price.
Closing costs + prepaids$9,328Not just lender fees.
Before credits & paid funds$90,949The complete starting cash picture.
Estimated remaining funds due at closing
$90,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,621.08
Your down payment$81,621.08
Closing costs + prepaids$9,327.78
Total buyer cash needed$90,948.86
Remaining funds due$90,948.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,585.00
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)$330.50
Initial HOA (3 months)$174.00
Prepaid interest, first (1 days)$13.28
Fees + prepaids$9,327.78
Your down payment is the seller’s equity. You take over the $176,879 balance, so the rest of the $258,500 price is paid at closing. A second mortgage can cover part of it. $90,948.86 is due at closing. Uses and sources reconcile at $267,827.78 each. Not a Closing Disclosure.