Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,674Cash toward the purchase price.
Closing costs + prepaids$11,598Not just lender fees.
Before credits & paid funds$92,272The complete starting cash picture.
Estimated remaining funds due at closing
$92,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,673.91
Your down payment$80,673.91
Closing costs + prepaids$11,597.85
Total buyer cash needed$92,271.76
Remaining funds due$92,271.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$896.00
Prepaid interest, first (23 days)$1,177.85
Fees + prepaids$11,597.85
Your down payment is the seller’s equity. You take over the $249,226 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $92,271.76 is due at closing. Uses and sources reconcile at $341,497.85 each. Not a Closing Disclosure.