Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,728Cash toward the purchase price.
Closing costs + prepaids$10,472Not just lender fees.
Before credits & paid funds$91,200The complete starting cash picture.
Estimated remaining funds due at closing
$91,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,728.34
Your down payment$80,728.34
Closing costs + prepaids$10,472.14
Total buyer cash needed$91,200.48
Remaining funds due$91,200.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,145.00
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)$506.50
Prepaid interest, first (30 days)$595.64
Fees + prepaids$10,472.14
Your down payment is the seller’s equity. You take over the $233,772 balance, so the rest of the $314,500 price is paid at closing. A second mortgage can cover part of it. $91,200.48 is due at closing. Uses and sources reconcile at $324,972.14 each. Not a Closing Disclosure.