Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$91,688Cash toward the purchase price.
Closing costs + prepaids$10,978Not just lender fees.
Before credits & paid funds$102,667The complete starting cash picture.
Estimated remaining funds due at closing
$102,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,688.44
Your down payment$91,688.44
Closing costs + prepaids$10,978.44
Total buyer cash needed$102,666.89
Remaining funds due$102,666.89
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)$1,050.25
Prepaid interest, first (28 days)$504.19
Fees + prepaids$10,978.44
Your down payment is the seller’s equity. You take over the $228,212 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $102,666.89 is due at closing. Uses and sources reconcile at $330,878.44 each. Not a Closing Disclosure.