Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$70,871Cash toward the purchase price.
Closing costs + prepaids$11,357Not just lender fees.
Before credits & paid funds$82,229The complete starting cash picture.
Estimated remaining funds due at closing
$82,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,871.46
Your down payment$70,871.46
Closing costs + prepaids$11,357.42
Total buyer cash needed$82,228.88
Remaining funds due$82,228.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,915.00
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)$998.25
Prepaid interest, first (5 days)$219.17
Fees + prepaids$11,357.42
Your down payment is the seller’s equity. You take over the $320,629 balance, so the rest of the $391,500 price is paid at closing. A second mortgage can cover part of it. $82,228.88 is due at closing. Uses and sources reconcile at $402,857.42 each. Not a Closing Disclosure.