Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$79,465Cash toward the purchase price.
Closing costs + prepaids$11,563Not just lender fees.
Before credits & paid funds$91,027The complete starting cash picture.
Estimated remaining funds due at closing
$91,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,464.69
Your down payment$79,464.69
Closing costs + prepaids$11,562.70
Total buyer cash needed$91,027.39
Remaining funds due$91,027.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,975.00
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)$1,231.25
Prepaid interest, first (31 days)$1,131.45
Fees + prepaids$11,562.70
Your down payment is the seller’s equity. You take over the $218,035 balance, so the rest of the $297,500 price is paid at closing. A second mortgage can cover part of it. $91,027.39 is due at closing. Uses and sources reconcile at $309,062.70 each. Not a Closing Disclosure.