Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,999Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$89,397The complete starting cash picture.
Estimated remaining funds due at closing
$89,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,998.87
Your down payment$77,998.87
Closing costs + prepaids$11,397.88
Total buyer cash needed$89,396.74
Remaining funds due$89,396.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,160.00
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)$894.50
Initial HOA (3 months)$8.25
Prepaid interest, first (25 days)$1,110.13
Fees + prepaids$11,397.88
Your down payment is the seller’s equity. You take over the $238,001 balance, so the rest of the $316,000 price is paid at closing. A second mortgage can cover part of it. $89,396.74 is due at closing. Uses and sources reconcile at $327,397.88 each. Not a Closing Disclosure.