Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$209,664Cash toward the purchase price.
Closing costs + prepaids$9,823Not just lender fees.
Before credits & paid funds$219,487The complete starting cash picture.
Estimated remaining funds due at closing
$219,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,663.72
Your down payment$209,663.72
Closing costs + prepaids$9,822.87
Total buyer cash needed$219,486.58
Remaining funds due$219,486.58
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)$206.00
Prepaid interest, first (29 days)$241.87
Fees + prepaids$9,822.87
Your down payment is the seller’s equity. You take over the $105,336 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $219,486.58 is due at closing. Uses and sources reconcile at $324,822.87 each. Not a Closing Disclosure.