Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$81,936Cash toward the purchase price.
Closing costs + prepaids$11,654Not just lender fees.
Before credits & paid funds$93,590The complete starting cash picture.
Estimated remaining funds due at closing
$93,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,935.56
Your down payment$81,935.56
Closing costs + prepaids$11,654.30
Total buyer cash needed$93,589.87
Remaining funds due$93,589.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$1,280.50
Initial HOA (3 months)$411.99
Prepaid interest, first (23 days)$446.81
Fees + prepaids$11,654.30
Your down payment is the seller’s equity. You take over the $247,064 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $93,589.87 is due at closing. Uses and sources reconcile at $340,654.30 each. Not a Closing Disclosure.