Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,984Cash toward the purchase price.
Closing costs + prepaids$11,592Not just lender fees.
Before credits & paid funds$97,576The complete starting cash picture.
Estimated remaining funds due at closing
$97,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,984.09
Your down payment$85,984.09
Closing costs + prepaids$11,592.14
Total buyer cash needed$97,576.24
Remaining funds due$97,576.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$950.00
Prepaid interest, first (25 days)$1,137.14
Fees + prepaids$11,592.14
Your down payment is the seller’s equity. You take over the $242,016 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $97,576.24 is due at closing. Uses and sources reconcile at $339,592.14 each. Not a Closing Disclosure.