Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$71,708Cash toward the purchase price.
Closing costs + prepaids$9,781Not just lender fees.
Before credits & paid funds$81,489The complete starting cash picture.
Estimated remaining funds due at closing
$81,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,707.83
Your down payment$71,707.83
Closing costs + prepaids$9,781.26
Total buyer cash needed$81,489.08
Remaining funds due$81,489.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$350.00
Prepaid interest, first (14 days)$407.26
Fees + prepaids$9,781.26
Your down payment is the seller’s equity. You take over the $208,192 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $81,489.08 is due at closing. Uses and sources reconcile at $289,681.26 each. Not a Closing Disclosure.