Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$9,668Cash toward the purchase price.
Closing costs + prepaids$11,877Not just lender fees.
Before credits & paid funds$21,545The complete starting cash picture.
Estimated remaining funds due at closing
$21,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,668.26
Your down payment$9,668.26
Closing costs + prepaids$11,876.71
Total buyer cash needed$21,544.97
Remaining funds due$21,544.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.97
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)$1,021.25
Prepaid interest, first (25 days)$1,430.49
Fees + prepaids$11,876.71
Your down payment is the seller’s equity. You take over the $310,329 balance, so the rest of the $319,997 price is paid at closing. A second mortgage can cover part of it. $21,544.97 is due at closing. Uses and sources reconcile at $331,873.71 each. Not a Closing Disclosure.