Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$85,087Cash toward the purchase price.
Closing costs + prepaids$10,183Not just lender fees.
Before credits & paid funds$95,271The complete starting cash picture.
Estimated remaining funds due at closing
$95,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,087.02
Your down payment$85,087.02
Closing costs + prepaids$10,183.50
Total buyer cash needed$95,270.52
Remaining funds due$95,270.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$290.75
Prepaid interest, first (18 days)$568.75
Fees + prepaids$10,183.50
Your down payment is the seller’s equity. You take over the $224,813 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $95,270.52 is due at closing. Uses and sources reconcile at $320,083.50 each. Not a Closing Disclosure.