Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$69,837Cash toward the purchase price.
Closing costs + prepaids$10,290Not just lender fees.
Before credits & paid funds$80,126The complete starting cash picture.
Estimated remaining funds due at closing
$80,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,836.68
Your down payment$69,836.68
Closing costs + prepaids$10,289.79
Total buyer cash needed$80,126.46
Remaining funds due$80,126.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$511.25
Initial HOA (3 months)$258.00
Prepaid interest, first (20 days)$346.54
Fees + prepaids$10,289.79
Your down payment is the seller’s equity. You take over the $225,063 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $80,126.46 is due at closing. Uses and sources reconcile at $305,189.79 each. Not a Closing Disclosure.