Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$71,863Cash toward the purchase price.
Closing costs + prepaids$10,875Not just lender fees.
Before credits & paid funds$82,738The complete starting cash picture.
Estimated remaining funds due at closing
$82,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,862.70
Your down payment$71,862.70
Closing costs + prepaids$10,875.14
Total buyer cash needed$82,737.84
Remaining funds due$82,737.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$107.25
Prepaid interest, first (29 days)$1,352.89
Fees + prepaids$10,875.14
Your down payment is the seller’s equity. You take over the $247,137 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $82,737.84 is due at closing. Uses and sources reconcile at $329,875.14 each. Not a Closing Disclosure.