Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$239,594Cash toward the purchase price.
Closing costs + prepaids$9,933Not just lender fees.
Before credits & paid funds$249,527The complete starting cash picture.
Estimated remaining funds due at closing
$249,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,594.18
Your down payment$239,594.18
Closing costs + prepaids$9,933.04
Total buyer cash needed$249,527.22
Remaining funds due$249,527.22
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)$400.00
Prepaid interest, first (14 days)$109.04
Fees + prepaids$9,933.04
Your down payment is the seller’s equity. You take over the $80,306 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $249,527.22 is due at closing. Uses and sources reconcile at $329,833.04 each. Not a Closing Disclosure.