Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$242,154Cash toward the purchase price.
Closing costs + prepaids$10,028Not just lender fees.
Before credits & paid funds$252,182The complete starting cash picture.
Estimated remaining funds due at closing
$252,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,154.23
Your down payment$242,154.23
Closing costs + prepaids$10,027.79
Total buyer cash needed$252,182.02
Remaining funds due$252,182.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$147.25
Prepaid interest, first (30 days)$455.55
Fees + prepaids$10,027.79
Your down payment is the seller’s equity. You take over the $77,845 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $252,182.02 is due at closing. Uses and sources reconcile at $330,026.79 each. Not a Closing Disclosure.