Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,794Cash toward the purchase price.
Closing costs + prepaids$10,153Not just lender fees.
Before credits & paid funds$73,946The complete starting cash picture.
Estimated remaining funds due at closing
$73,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,793.51
Your down payment$63,793.51
Closing costs + prepaids$10,152.91
Total buyer cash needed$73,946.42
Remaining funds due$73,946.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,940.00
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)$300.50
Initial HOA (3 months)$138.00
Prepaid interest, first (31 days)$549.41
Fees + prepaids$10,152.91
Your down payment is the seller’s equity. You take over the $230,206 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $73,946.42 is due at closing. Uses and sources reconcile at $304,152.91 each. Not a Closing Disclosure.