Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$265,935Cash toward the purchase price.
Closing costs + prepaids$10,062Not just lender fees.
Before credits & paid funds$275,997The complete starting cash picture.
Estimated remaining funds due at closing
$275,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,935.46
Your down payment$265,935.46
Closing costs + prepaids$10,061.53
Total buyer cash needed$275,996.99
Remaining funds due$275,996.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,160.00
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)$493.50
Prepaid interest, first (24 days)$183.03
Fees + prepaids$10,061.53
Your down payment is the seller’s equity. You take over the $50,065 balance, so the rest of the $316,000 price is paid at closing. A second mortgage can cover part of it. $275,996.99 is due at closing. Uses and sources reconcile at $326,061.53 each. Not a Closing Disclosure.