Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,815Cash toward the purchase price.
Closing costs + prepaids$10,710Not just lender fees.
Before credits & paid funds$91,525The complete starting cash picture.
Estimated remaining funds due at closing
$91,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,814.96
Your down payment$80,814.96
Closing costs + prepaids$10,709.68
Total buyer cash needed$91,524.64
Remaining funds due$91,524.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$418.50
Prepaid interest, first (23 days)$967.18
Fees + prepaids$10,709.68
Your down payment is the seller’s equity. You take over the $229,085 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $91,524.64 is due at closing. Uses and sources reconcile at $320,609.68 each. Not a Closing Disclosure.