Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$79,777Cash toward the purchase price.
Closing costs + prepaids$10,486Not just lender fees.
Before credits & paid funds$90,263The complete starting cash picture.
Estimated remaining funds due at closing
$90,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,777.14
Your down payment$79,777.14
Closing costs + prepaids$10,486.00
Total buyer cash needed$90,263.14
Remaining funds due$90,263.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,139.00
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)$392.50
Prepaid interest, first (17 days)$729.50
Fees + prepaids$10,486.00
Your down payment is the seller’s equity. You take over the $234,123 balance, so the rest of the $313,900 price is paid at closing. A second mortgage can cover part of it. $90,263.14 is due at closing. Uses and sources reconcile at $324,386.00 each. Not a Closing Disclosure.