Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$80,244Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$91,372The complete starting cash picture.
Estimated remaining funds due at closing
$91,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,243.53
Your down payment$80,243.53
Closing costs + prepaids$11,128.87
Total buyer cash needed$91,372.41
Remaining funds due$91,372.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$750.00
Prepaid interest, first (25 days)$1,063.87
Fees + prepaids$11,128.87
Your down payment is the seller’s equity. You take over the $228,756 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $91,372.41 is due at closing. Uses and sources reconcile at $320,128.87 each. Not a Closing Disclosure.