Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$69,379Cash toward the purchase price.
Closing costs + prepaids$11,404Not just lender fees.
Before credits & paid funds$80,783The complete starting cash picture.
Estimated remaining funds due at closing
$80,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,379.35
Your down payment$69,379.35
Closing costs + prepaids$11,403.56
Total buyer cash needed$80,782.91
Remaining funds due$80,782.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$745.25
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$1,199.31
Fees + prepaids$11,403.56
Your down payment is the seller’s equity. You take over the $240,521 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $80,782.91 is due at closing. Uses and sources reconcile at $321,303.56 each. Not a Closing Disclosure.