Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,243Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$91,181The complete starting cash picture.
Estimated remaining funds due at closing
$91,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,243.07
Your down payment$80,243.07
Closing costs + prepaids$10,937.66
Total buyer cash needed$91,180.73
Remaining funds due$91,180.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$1,004.25
Prepaid interest, first (26 days)$528.41
Fees + prepaids$10,937.66
Your down payment is the seller’s equity. You take over the $237,757 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $91,180.73 is due at closing. Uses and sources reconcile at $328,937.66 each. Not a Closing Disclosure.