Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$90,946Cash toward the purchase price.
Closing costs + prepaids$10,715Not just lender fees.
Before credits & paid funds$101,660The complete starting cash picture.
Estimated remaining funds due at closing
$101,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,945.93
Your down payment$90,945.93
Closing costs + prepaids$10,714.55
Total buyer cash needed$101,660.48
Remaining funds due$101,660.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,185.00
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)$398.25
Initial HOA (3 months)$651.00
Prepaid interest, first (15 days)$255.30
Fees + prepaids$10,714.55
Your down payment is the seller’s equity. You take over the $227,554 balance, so the rest of the $318,500 price is paid at closing. A second mortgage can cover part of it. $101,660.48 is due at closing. Uses and sources reconcile at $329,214.55 each. Not a Closing Disclosure.