Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$70,998Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$82,080The complete starting cash picture.
Estimated remaining funds due at closing
$82,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,997.86
Your down payment$70,997.86
Closing costs + prepaids$11,082.27
Total buyer cash needed$82,080.13
Remaining funds due$82,080.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,810.00
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)$457.25
Initial HOA (3 months)$297.00
Prepaid interest, first (10 days)$293.02
Fees + prepaids$11,082.27
Your down payment is the seller’s equity. You take over the $310,002 balance, so the rest of the $381,000 price is paid at closing. A second mortgage can cover part of it. $82,080.13 is due at closing. Uses and sources reconcile at $392,082.27 each. Not a Closing Disclosure.