Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$314,358Cash toward the purchase price.
Closing costs + prepaids$9,827Not just lender fees.
Before credits & paid funds$324,185The complete starting cash picture.
Estimated remaining funds due at closing
$324,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,358.03
Your down payment$314,358.03
Closing costs + prepaids$9,826.60
Total buyer cash needed$324,184.63
Remaining funds due$324,184.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$294.75
Prepaid interest, first (30 days)$56.85
Fees + prepaids$9,826.60
Your down payment is the seller’s equity. You take over the $10,642 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $324,184.63 is due at closing. Uses and sources reconcile at $334,826.60 each. Not a Closing Disclosure.