Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$316,900Cash toward the purchase price.
Closing costs + prepaids$10,680Not just lender fees.
Before credits & paid funds$327,580The complete starting cash picture.
Estimated remaining funds due at closing
$327,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,899.64
Your down payment$316,899.64
Closing costs + prepaids$10,680.05
Total buyer cash needed$327,579.69
Remaining funds due$327,579.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,269.99
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)$1,149.75
Prepaid interest, first (18 days)$35.31
Fees + prepaids$10,680.05
Your down payment is the seller’s equity. You take over the $10,099 balance, so the rest of the $326,999 price is paid at closing. A second mortgage can cover part of it. $327,579.69 is due at closing. Uses and sources reconcile at $337,679.05 each. Not a Closing Disclosure.