Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$74,733Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$85,815The complete starting cash picture.
Estimated remaining funds due at closing
$85,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,733.14
Your down payment$74,733.14
Closing costs + prepaids$11,081.51
Total buyer cash needed$85,814.65
Remaining funds due$85,814.65
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)$1,583.50
Initial HOA (3 months)$45.00
Prepaid interest, first (2 days)$38.01
Fees + prepaids$11,081.51
Your down payment is the seller’s equity. You take over the $244,267 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $85,814.65 is due at closing. Uses and sources reconcile at $330,081.51 each. Not a Closing Disclosure.