Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$207,500Cash toward the purchase price.
Closing costs + prepaids$10,771Not just lender fees.
Before credits & paid funds$218,270The complete starting cash picture.
Estimated remaining funds due at closing
$218,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,499.74
Your down payment$207,499.74
Closing costs + prepaids$10,770.74
Total buyer cash needed$218,270.48
Remaining funds due$218,270.48
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)$976.75
Prepaid interest, first (27 days)$318.99
Fees + prepaids$10,770.74
Your down payment is the seller’s equity. You take over the $117,500 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $218,270.48 is due at closing. Uses and sources reconcile at $335,770.74 each. Not a Closing Disclosure.