Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$225,696Cash toward the purchase price.
Closing costs + prepaids$9,999Not just lender fees.
Before credits & paid funds$235,695The complete starting cash picture.
Estimated remaining funds due at closing
$235,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,695.64
Your down payment$225,695.64
Closing costs + prepaids$9,999.07
Total buyer cash needed$235,694.70
Remaining funds due$235,694.70
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 (17 days)$175.07
Fees + prepaids$9,999.07
Your down payment is the seller’s equity. You take over the $94,204 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $235,694.70 is due at closing. Uses and sources reconcile at $329,899.07 each. Not a Closing Disclosure.