Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$84,270Cash toward the purchase price.
Closing costs + prepaids$10,278Not just lender fees.
Before credits & paid funds$94,548The complete starting cash picture.
Estimated remaining funds due at closing
$94,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,270.02
Your down payment$84,270.02
Closing costs + prepaids$10,277.94
Total buyer cash needed$94,547.96
Remaining funds due$94,547.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$790.25
Prepaid interest, first (4 days)$163.69
Fees + prepaids$10,277.94
Your down payment is the seller’s equity. You take over the $225,630 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $94,547.96 is due at closing. Uses and sources reconcile at $320,177.94 each. Not a Closing Disclosure.