Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$235,934Cash toward the purchase price.
Closing costs + prepaids$9,944Not just lender fees.
Before credits & paid funds$245,879The complete starting cash picture.
Estimated remaining funds due at closing
$245,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,934.25
Your down payment$235,934.25
Closing costs + prepaids$9,944.47
Total buyer cash needed$245,878.72
Remaining funds due$245,878.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$398.75
Prepaid interest, first (16 days)$130.72
Fees + prepaids$9,944.47
Your down payment is the seller’s equity. You take over the $83,066 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $245,878.72 is due at closing. Uses and sources reconcile at $328,944.47 each. Not a Closing Disclosure.