Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$82,046Cash toward the purchase price.
Closing costs + prepaids$9,593Not just lender fees.
Before credits & paid funds$91,639The complete starting cash picture.
Estimated remaining funds due at closing
$91,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,045.84
Your down payment$82,045.84
Closing costs + prepaids$9,592.67
Total buyer cash needed$91,638.51
Remaining funds due$91,638.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,585.00
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)$330.50
Initial HOA (3 months)$174.00
Prepaid interest, first (21 days)$278.17
Fees + prepaids$9,592.67
Your down payment is the seller’s equity. You take over the $176,454 balance, so the rest of the $258,500 price is paid at closing. A second mortgage can cover part of it. $91,638.51 is due at closing. Uses and sources reconcile at $268,092.67 each. Not a Closing Disclosure.