Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$85,668Cash toward the purchase price.
Closing costs + prepaids$10,112Not just lender fees.
Before credits & paid funds$95,780The complete starting cash picture.
Estimated remaining funds due at closing
$95,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,668.26
Your down payment$85,668.26
Closing costs + prepaids$10,111.59
Total buyer cash needed$95,779.85
Remaining funds due$95,779.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$393.75
Initial HOA (3 months)$54.00
Prepaid interest, first (13 days)$289.84
Fees + prepaids$10,111.59
Your down payment is the seller’s equity. You take over the $229,232 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $95,779.85 is due at closing. Uses and sources reconcile at $325,011.59 each. Not a Closing Disclosure.