Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$225,649Cash toward the purchase price.
Closing costs + prepaids$10,948Not just lender fees.
Before credits & paid funds$236,597The complete starting cash picture.
Estimated remaining funds due at closing
$236,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,648.90
Your down payment$225,648.90
Closing costs + prepaids$10,947.92
Total buyer cash needed$236,596.82
Remaining funds due$236,596.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$1,243.75
Prepaid interest, first (31 days)$280.17
Fees + prepaids$10,947.92
Your down payment is the seller’s equity. You take over the $94,251 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $236,596.82 is due at closing. Uses and sources reconcile at $330,847.92 each. Not a Closing Disclosure.