Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$86,437Cash toward the purchase price.
Closing costs + prepaids$10,285Not just lender fees.
Before credits & paid funds$96,722The complete starting cash picture.
Estimated remaining funds due at closing
$96,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,437.31
Your down payment$86,437.31
Closing costs + prepaids$10,284.61
Total buyer cash needed$96,721.93
Remaining funds due$96,721.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$231.00
Initial HOA (3 months)$600.00
Prepaid interest, first (2 days)$38.61
Fees + prepaids$10,284.61
Your down payment is the seller’s equity. You take over the $232,563 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $96,721.93 is due at closing. Uses and sources reconcile at $329,284.61 each. Not a Closing Disclosure.