Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$247,306Cash toward the purchase price.
Closing costs + prepaids$10,102Not just lender fees.
Before credits & paid funds$257,408The complete starting cash picture.
Estimated remaining funds due at closing
$257,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,306.12
Your down payment$247,306.12
Closing costs + prepaids$10,101.53
Total buyer cash needed$257,407.65
Remaining funds due$257,407.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$412.50
Prepaid interest, first (17 days)$165.03
Fees + prepaids$10,101.53
Your down payment is the seller’s equity. You take over the $82,594 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $257,407.65 is due at closing. Uses and sources reconcile at $340,001.53 each. Not a Closing Disclosure.