Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,581Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$93,669The complete starting cash picture.
Estimated remaining funds due at closing
$93,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,581.45
Your down payment$82,581.45
Closing costs + prepaids$11,087.99
Total buyer cash needed$93,669.44
Remaining funds due$93,669.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.90
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)$1,019.50
Prepaid interest, first (31 days)$743.59
Fees + prepaids$11,087.99
Your down payment is the seller’s equity. You take over the $227,409 balance, so the rest of the $309,990 price is paid at closing. A second mortgage can cover part of it. $93,669.44 is due at closing. Uses and sources reconcile at $321,077.99 each. Not a Closing Disclosure.