Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$73,156Cash toward the purchase price.
Closing costs + prepaids$10,905Not just lender fees.
Before credits & paid funds$84,061The complete starting cash picture.
Estimated remaining funds due at closing
$84,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,156.28
Your down payment$73,156.28
Closing costs + prepaids$10,905.16
Total buyer cash needed$84,061.45
Remaining funds due$84,061.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$384.00
Initial HOA (3 months)$825.00
Prepaid interest, first (6 days)$272.16
Fees + prepaids$10,905.16
Your down payment is the seller’s equity. You take over the $246,744 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $84,061.45 is due at closing. Uses and sources reconcile at $330,805.16 each. Not a Closing Disclosure.