Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$81,073Cash toward the purchase price.
Closing costs + prepaids$11,249Not just lender fees.
Before credits & paid funds$92,322The complete starting cash picture.
Estimated remaining funds due at closing
$92,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,073.08
Your down payment$81,073.08
Closing costs + prepaids$11,248.63
Total buyer cash needed$92,321.71
Remaining funds due$92,321.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,135.50
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)$376.25
Initial HOA (3 months)$1,278.00
Prepaid interest, first (12 days)$233.88
Fees + prepaids$11,248.63
Your down payment is the seller’s equity. You take over the $232,477 balance, so the rest of the $313,550 price is paid at closing. A second mortgage can cover part of it. $92,321.71 is due at closing. Uses and sources reconcile at $324,798.63 each. Not a Closing Disclosure.