Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,626Cash toward the purchase price.
Closing costs + prepaids$10,131Not just lender fees.
Before credits & paid funds$85,757The complete starting cash picture.
Estimated remaining funds due at closing
$85,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,625.81
Your down payment$75,625.81
Closing costs + prepaids$10,131.32
Total buyer cash needed$85,757.14
Remaining funds due$85,757.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,820.00
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)$372.00
Initial HOA (3 months)$192.00
Prepaid interest, first (31 days)$522.32
Fees + prepaids$10,131.32
Your down payment is the seller’s equity. You take over the $206,374 balance, so the rest of the $282,000 price is paid at closing. A second mortgage can cover part of it. $85,757.14 is due at closing. Uses and sources reconcile at $292,131.32 each. Not a Closing Disclosure.