Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$79,287Cash toward the purchase price.
Closing costs + prepaids$10,768Not just lender fees.
Before credits & paid funds$90,054The complete starting cash picture.
Estimated remaining funds due at closing
$90,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,286.58
Your down payment$79,286.58
Closing costs + prepaids$10,767.74
Total buyer cash needed$90,054.32
Remaining funds due$90,054.32
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)$199.75
Prepaid interest, first (24 days)$1,062.99
Fees + prepaids$10,767.74
Your down payment is the seller’s equity. You take over the $248,713 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $90,054.32 is due at closing. Uses and sources reconcile at $338,767.74 each. Not a Closing Disclosure.