Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$88,355Cash toward the purchase price.
Closing costs + prepaids$10,775Not just lender fees.
Before credits & paid funds$99,130The complete starting cash picture.
Estimated remaining funds due at closing
$99,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,355.18
Your down payment$88,355.18
Closing costs + prepaids$10,775.02
Total buyer cash needed$99,130.20
Remaining funds due$99,130.20
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)$856.00
Initial HOA (3 months)$50.01
Prepaid interest, first (23 days)$445.01
Fees + prepaids$10,775.02
Your down payment is the seller’s equity. You take over the $231,545 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $99,130.20 is due at closing. Uses and sources reconcile at $330,675.02 each. Not a Closing Disclosure.