Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$84,194Cash toward the purchase price.
Closing costs + prepaids$10,008Not just lender fees.
Before credits & paid funds$94,202The complete starting cash picture.
Estimated remaining funds due at closing
$94,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,194.24
Your down payment$84,194.24
Closing costs + prepaids$10,008.22
Total buyer cash needed$94,202.46
Remaining funds due$94,202.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,153.20
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)$378.50
Prepaid interest, first (12 days)$251.52
Fees + prepaids$10,008.22
Your down payment is the seller’s equity. You take over the $231,126 balance, so the rest of the $315,320 price is paid at closing. A second mortgage can cover part of it. $94,202.46 is due at closing. Uses and sources reconcile at $325,328.22 each. Not a Closing Disclosure.