Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$70,832Cash toward the purchase price.
Closing costs + prepaids$10,936Not just lender fees.
Before credits & paid funds$81,768The complete starting cash picture.
Estimated remaining funds due at closing
$81,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,831.51
Your down payment$70,831.51
Closing costs + prepaids$10,936.47
Total buyer cash needed$81,767.99
Remaining funds due$81,767.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,845.00
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)$461.50
Initial HOA (3 months)$183.00
Prepaid interest, first (9 days)$221.97
Fees + prepaids$10,936.47
Your down payment is the seller’s equity. You take over the $313,668 balance, so the rest of the $384,500 price is paid at closing. A second mortgage can cover part of it. $81,767.99 is due at closing. Uses and sources reconcile at $395,436.47 each. Not a Closing Disclosure.