Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$54,887Cash toward the purchase price.
Closing costs + prepaids$9,766Not just lender fees.
Before credits & paid funds$64,653The complete starting cash picture.
Estimated remaining funds due at closing
$64,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,887.19
Your down payment$54,887.19
Closing costs + prepaids$9,766.24
Total buyer cash needed$64,653.43
Remaining funds due$64,653.43
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)$336.00
Initial HOA (3 months)$252.00
Prepaid interest, first (9 days)$154.24
Fees + prepaids$9,766.24
Your down payment is the seller’s equity. You take over the $225,013 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $64,653.43 is due at closing. Uses and sources reconcile at $289,666.24 each. Not a Closing Disclosure.