Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$71,626Cash toward the purchase price.
Closing costs + prepaids$9,569Not just lender fees.
Before credits & paid funds$81,195The complete starting cash picture.
Estimated remaining funds due at closing
$81,195No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,626.16
Your down payment$71,626.16
Closing costs + prepaids$9,568.95
Total buyer cash needed$81,195.11
Remaining funds due$81,195.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$107.25
Prepaid interest, first (1 days)$46.70
Fees + prepaids$9,568.95
Your down payment is the seller’s equity. You take over the $247,374 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $81,195.11 is due at closing. Uses and sources reconcile at $328,568.95 each. Not a Closing Disclosure.