Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,412Cash toward the purchase price.
Closing costs + prepaids$9,450Not just lender fees.
Before credits & paid funds$96,863The complete starting cash picture.
Estimated remaining funds due at closing
$96,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,412.30
Your down payment$87,412.30
Closing costs + prepaids$9,450.31
Total buyer cash needed$96,862.61
Remaining funds due$96,862.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,549.00
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)$270.25
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$16.06
Fees + prepaids$9,450.31
Your down payment is the seller’s equity. You take over the $167,488 balance, so the rest of the $254,900 price is paid at closing. A second mortgage can cover part of it. $96,862.61 is due at closing. Uses and sources reconcile at $264,350.31 each. Not a Closing Disclosure.