Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$193,277Cash toward the purchase price.
Closing costs + prepaids$10,467Not just lender fees.
Before credits & paid funds$203,745The complete starting cash picture.
Estimated remaining funds due at closing
$203,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,277.14
Your down payment$193,277.14
Closing costs + prepaids$10,467.43
Total buyer cash needed$203,744.56
Remaining funds due$203,744.56
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)$540.75
Prepaid interest, first (30 days)$502.68
Fees + prepaids$10,467.43
Your down payment is the seller’s equity. You take over the $126,623 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $203,744.56 is due at closing. Uses and sources reconcile at $330,367.43 each. Not a Closing Disclosure.