Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$315,162Cash toward the purchase price.
Closing costs + prepaids$10,448Not just lender fees.
Before credits & paid funds$325,610The complete starting cash picture.
Estimated remaining funds due at closing
$325,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$315,161.53
Your down payment$315,161.53
Closing costs + prepaids$10,448.45
Total buyer cash needed$325,609.98
Remaining funds due$325,609.98
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)$930.00
Prepaid interest, first (26 days)$43.45
Fees + prepaids$10,448.45
Your down payment is the seller’s equity. You take over the $9,838 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $325,609.98 is due at closing. Uses and sources reconcile at $335,448.45 each. Not a Closing Disclosure.