Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$314,358Cash toward the purchase price.
Closing costs + prepaids$9,811Not just lender fees.
Before credits & paid funds$324,169The complete starting cash picture.
Estimated remaining funds due at closing
$324,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,358.03
Your down payment$314,358.03
Closing costs + prepaids$9,811.44
Total buyer cash needed$324,169.47
Remaining funds due$324,169.47
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)$294.75
Prepaid interest, first (22 days)$41.69
Fees + prepaids$9,811.44
Your down payment is the seller’s equity. You take over the $10,642 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $324,169.47 is due at closing. Uses and sources reconcile at $334,811.44 each. Not a Closing Disclosure.