Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$78,874Cash toward the purchase price.
Closing costs + prepaids$9,394Not just lender fees.
Before credits & paid funds$88,268The complete starting cash picture.
Estimated remaining funds due at closing
$88,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,873.84
Your down payment$78,873.84
Closing costs + prepaids$9,394.40
Total buyer cash needed$88,268.23
Remaining funds due$88,268.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,399.00
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)$113.75
Initial HOA (3 months)$630.00
Prepaid interest, first (2 days)$26.65
Fees + prepaids$9,394.40
Your down payment is the seller’s equity. You take over the $161,026 balance, so the rest of the $239,900 price is paid at closing. A second mortgage can cover part of it. $88,268.23 is due at closing. Uses and sources reconcile at $249,294.40 each. Not a Closing Disclosure.