Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$83,216Cash toward the purchase price.
Closing costs + prepaids$9,827Not just lender fees.
Before credits & paid funds$93,043The complete starting cash picture.
Estimated remaining funds due at closing
$93,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,215.94
Your down payment$83,215.94
Closing costs + prepaids$9,827.06
Total buyer cash needed$93,043.00
Remaining funds due$93,043.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,650.00
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)$662.50
Prepaid interest, first (18 days)$289.56
Fees + prepaids$9,827.06
Your down payment is the seller’s equity. You take over the $181,784 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $93,043.00 is due at closing. Uses and sources reconcile at $274,827.06 each. Not a Closing Disclosure.