Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,732Cash toward the purchase price.
Closing costs + prepaids$11,719Not just lender fees.
Before credits & paid funds$89,451The complete starting cash picture.
Estimated remaining funds due at closing
$89,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,732.16
Your down payment$77,732.16
Closing costs + prepaids$11,719.28
Total buyer cash needed$89,451.45
Remaining funds due$89,451.45
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)$897.00
Prepaid interest, first (27 days)$1,298.28
Fees + prepaids$11,719.28
Your down payment is the seller’s equity. You take over the $252,168 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $89,451.45 is due at closing. Uses and sources reconcile at $341,619.28 each. Not a Closing Disclosure.