Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$80,216Cash toward the purchase price.
Closing costs + prepaids$9,999Not just lender fees.
Before credits & paid funds$90,215The complete starting cash picture.
Estimated remaining funds due at closing
$90,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,216.12
Your down payment$80,216.12
Closing costs + prepaids$9,998.58
Total buyer cash needed$90,214.70
Remaining funds due$90,214.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$272.75
Prepaid interest, first (19 days)$351.83
Fees + prepaids$9,998.58
Your down payment is the seller’s equity. You take over the $234,684 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $90,214.70 is due at closing. Uses and sources reconcile at $324,898.58 each. Not a Closing Disclosure.