Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$80,216Cash toward the purchase price.
Closing costs + prepaids$10,017Not just lender fees.
Before credits & paid funds$90,233The complete starting cash picture.
Estimated remaining funds due at closing
$90,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,216.12
Your down payment$80,216.12
Closing costs + prepaids$10,017.10
Total buyer cash needed$90,233.22
Remaining funds due$90,233.22
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 (20 days)$370.35
Fees + prepaids$10,017.10
Your down payment is the seller’s equity. You take over the $234,684 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $90,233.22 is due at closing. Uses and sources reconcile at $324,917.10 each. Not a Closing Disclosure.