Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$201,266Cash toward the purchase price.
Closing costs + prepaids$9,970Not just lender fees.
Before credits & paid funds$211,235The complete starting cash picture.
Estimated remaining funds due at closing
$211,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,265.61
Your down payment$201,265.61
Closing costs + prepaids$9,969.55
Total buyer cash needed$211,235.15
Remaining funds due$211,235.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$393.75
Prepaid interest, first (18 days)$200.80
Fees + prepaids$9,969.55
Your down payment is the seller’s equity. You take over the $113,734 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $211,235.15 is due at closing. Uses and sources reconcile at $324,969.55 each. Not a Closing Disclosure.