Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$73,156Cash toward the purchase price.
Closing costs + prepaids$12,556Not just lender fees.
Before credits & paid funds$85,712The complete starting cash picture.
Estimated remaining funds due at closing
$85,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,156.28
Your down payment$73,156.28
Closing costs + prepaids$12,555.84
Total buyer cash needed$85,712.12
Remaining funds due$85,712.12
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)$1,036.75
Initial HOA (3 months)$825.00
Prepaid interest, first (28 days)$1,270.09
Fees + prepaids$12,555.84
Your down payment is the seller’s equity. You take over the $246,744 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $85,712.12 is due at closing. Uses and sources reconcile at $332,455.84 each. Not a Closing Disclosure.