Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$88,047Cash toward the purchase price.
Closing costs + prepaids$11,054Not just lender fees.
Before credits & paid funds$99,101The complete starting cash picture.
Estimated remaining funds due at closing
$99,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,046.68
Your down payment$88,046.68
Closing costs + prepaids$11,053.82
Total buyer cash needed$99,100.50
Remaining funds due$99,100.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$389.25
Prepaid interest, first (30 days)$1,240.57
Fees + prepaids$11,053.82
Your down payment is the seller’s equity. You take over the $231,853 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $99,100.50 is due at closing. Uses and sources reconcile at $330,953.82 each. Not a Closing Disclosure.