Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,682Cash toward the purchase price.
Closing costs + prepaids$9,665Not just lender fees.
Before credits & paid funds$89,348The complete starting cash picture.
Estimated remaining funds due at closing
$89,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,682.34
Your down payment$79,682.34
Closing costs + prepaids$9,665.31
Total buyer cash needed$89,347.65
Remaining funds due$89,347.65
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 (1 days)$18.56
Fees + prepaids$9,665.31
Your down payment is the seller’s equity. You take over the $235,218 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $89,347.65 is due at closing. Uses and sources reconcile at $324,565.31 each. Not a Closing Disclosure.