Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$235,526Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$246,287The complete starting cash picture.
Estimated remaining funds due at closing
$246,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,525.99
Your down payment$235,525.99
Closing costs + prepaids$10,760.65
Total buyer cash needed$246,286.64
Remaining funds due$246,286.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$1,142.00
Prepaid interest, first (30 days)$244.65
Fees + prepaids$10,760.65
Your down payment is the seller’s equity. You take over the $79,374 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $246,286.64 is due at closing. Uses and sources reconcile at $325,660.65 each. Not a Closing Disclosure.