Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$83,900Cash toward the purchase price.
Closing costs + prepaids$11,772Not just lender fees.
Before credits & paid funds$95,672The complete starting cash picture.
Estimated remaining funds due at closing
$95,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,900.14
Your down payment$83,900.14
Closing costs + prepaids$11,771.68
Total buyer cash needed$95,671.81
Remaining funds due$95,671.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.99
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)$443.25
Initial HOA (3 months)$987.00
Prepaid interest, first (24 days)$966.44
Fees + prepaids$11,771.68
Your down payment is the seller’s equity. You take over the $231,099 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $95,671.81 is due at closing. Uses and sources reconcile at $326,770.68 each. Not a Closing Disclosure.