Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$67,792Cash toward the purchase price.
Closing costs + prepaids$9,692Not just lender fees.
Before credits & paid funds$77,485The complete starting cash picture.
Estimated remaining funds due at closing
$77,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,792.05
Your down payment$67,792.05
Closing costs + prepaids$9,692.48
Total buyer cash needed$77,484.54
Remaining funds due$77,484.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,550.00
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)$318.75
Initial HOA (3 months)$150.00
Prepaid interest, first (13 days)$448.73
Fees + prepaids$9,692.48
Your down payment is the seller’s equity. You take over the $187,208 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $77,484.54 is due at closing. Uses and sources reconcile at $264,692.48 each. Not a Closing Disclosure.