Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,241Cash toward the purchase price.
Closing costs + prepaids$10,650Not just lender fees.
Before credits & paid funds$80,892The complete starting cash picture.
Estimated remaining funds due at closing
$80,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,241.43
Your down payment$70,241.43
Closing costs + prepaids$10,650.40
Total buyer cash needed$80,891.83
Remaining funds due$80,891.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,749.00
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)$148.00
Initial HOA (3 months)$1,491.00
Prepaid interest, first (1 days)$37.40
Fees + prepaids$10,650.40
Your down payment is the seller’s equity. You take over the $204,659 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $80,891.83 is due at closing. Uses and sources reconcile at $285,550.40 each. Not a Closing Disclosure.