Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$72,910Cash toward the purchase price.
Closing costs + prepaids$10,271Not just lender fees.
Before credits & paid funds$83,181The complete starting cash picture.
Estimated remaining funds due at closing
$83,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,910.09
Your down payment$72,910.09
Closing costs + prepaids$10,270.52
Total buyer cash needed$83,180.61
Remaining funds due$83,180.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,195.00
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)$758.50
Prepaid interest, first (2 days)$92.02
Fees + prepaids$10,270.52
Your down payment is the seller’s equity. You take over the $246,590 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $83,180.61 is due at closing. Uses and sources reconcile at $329,770.52 each. Not a Closing Disclosure.