Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$86,757Cash toward the purchase price.
Closing costs + prepaids$11,714Not just lender fees.
Before credits & paid funds$98,471The complete starting cash picture.
Estimated remaining funds due at closing
$98,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,756.85
Your down payment$86,756.85
Closing costs + prepaids$11,713.90
Total buyer cash needed$98,470.74
Remaining funds due$98,470.74
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)$951.25
Prepaid interest, first (30 days)$1,347.65
Fees + prepaids$11,713.90
Your down payment is the seller’s equity. You take over the $232,243 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $98,470.74 is due at closing. Uses and sources reconcile at $330,713.90 each. Not a Closing Disclosure.