Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$88,756Cash toward the purchase price.
Closing costs + prepaids$10,298Not just lender fees.
Before credits & paid funds$99,054The complete starting cash picture.
Estimated remaining funds due at closing
$99,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,756.22
Your down payment$88,756.22
Closing costs + prepaids$10,298.01
Total buyer cash needed$99,054.23
Remaining funds due$99,054.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,275.00
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)$393.00
Prepaid interest, first (9 days)$405.01
Fees + prepaids$10,298.01
Your down payment is the seller’s equity. You take over the $238,744 balance, so the rest of the $327,500 price is paid at closing. A second mortgage can cover part of it. $99,054.23 is due at closing. Uses and sources reconcile at $337,798.01 each. Not a Closing Disclosure.