Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$200,462Cash toward the purchase price.
Closing costs + prepaids$10,577Not just lender fees.
Before credits & paid funds$211,039The complete starting cash picture.
Estimated remaining funds due at closing
$211,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,461.96
Your down payment$200,461.96
Closing costs + prepaids$10,577.09
Total buyer cash needed$211,039.05
Remaining funds due$211,039.05
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)$1,138.50
Prepaid interest, first (1 days)$14.59
Fees + prepaids$10,577.09
Your down payment is the seller’s equity. You take over the $119,438 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $211,039.05 is due at closing. Uses and sources reconcile at $330,477.09 each. Not a Closing Disclosure.