Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$77,323Cash toward the purchase price.
Closing costs + prepaids$10,636Not just lender fees.
Before credits & paid funds$87,959The complete starting cash picture.
Estimated remaining funds due at closing
$87,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,322.71
Your down payment$77,322.71
Closing costs + prepaids$10,636.10
Total buyer cash needed$87,958.81
Remaining funds due$87,958.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,220.00
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)$402.50
Prepaid interest, first (17 days)$788.60
Fees + prepaids$10,636.10
Your down payment is the seller’s equity. You take over the $244,677 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $87,958.81 is due at closing. Uses and sources reconcile at $332,636.10 each. Not a Closing Disclosure.