Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$311,668Cash toward the purchase price.
Closing costs + prepaids$10,594Not just lender fees.
Before credits & paid funds$322,262The complete starting cash picture.
Estimated remaining funds due at closing
$322,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,667.53
Your down payment$311,667.53
Closing costs + prepaids$10,594.46
Total buyer cash needed$322,262.00
Remaining funds due$322,262.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,253.00
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)$1,053.25
Prepaid interest, first (25 days)$63.21
Fees + prepaids$10,594.46
Your down payment is the seller’s equity. You take over the $13,632 balance, so the rest of the $325,300 price is paid at closing. A second mortgage can cover part of it. $322,262.00 is due at closing. Uses and sources reconcile at $335,894.46 each. Not a Closing Disclosure.