Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$69,163Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$79,559The complete starting cash picture.
Estimated remaining funds due at closing
$79,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,162.51
Your down payment$69,162.51
Closing costs + prepaids$10,396.47
Total buyer cash needed$79,558.98
Remaining funds due$79,558.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$289.50
Initial HOA (3 months)$219.00
Prepaid interest, first (22 days)$463.97
Fees + prepaids$10,396.47
Your down payment is the seller’s equity. You take over the $250,737 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $79,558.98 is due at closing. Uses and sources reconcile at $330,296.47 each. Not a Closing Disclosure.