Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$236,901Cash toward the purchase price.
Closing costs + prepaids$11,038Not just lender fees.
Before credits & paid funds$247,939The complete starting cash picture.
Estimated remaining funds due at closing
$247,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,901.16
Your down payment$236,901.16
Closing costs + prepaids$11,038.06
Total buyer cash needed$247,939.22
Remaining funds due$247,939.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,270.00
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)$1,214.75
Prepaid interest, first (28 days)$328.31
Fees + prepaids$11,038.06
Your down payment is the seller’s equity. You take over the $90,099 balance, so the rest of the $327,000 price is paid at closing. A second mortgage can cover part of it. $247,939.22 is due at closing. Uses and sources reconcile at $338,038.06 each. Not a Closing Disclosure.