Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$254,351Cash toward the purchase price.
Closing costs + prepaids$9,953Not just lender fees.
Before credits & paid funds$264,304The complete starting cash picture.
Estimated remaining funds due at closing
$264,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,350.90
Your down payment$254,350.90
Closing costs + prepaids$9,953.47
Total buyer cash needed$264,304.37
Remaining funds due$264,304.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$406.25
Prepaid interest, first (13 days)$72.22
Fees + prepaids$9,953.47
Your down payment is the seller’s equity. You take over the $70,649 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $264,304.37 is due at closing. Uses and sources reconcile at $334,953.47 each. Not a Closing Disclosure.