Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$197,531Cash toward the purchase price.
Closing costs + prepaids$9,966Not just lender fees.
Before credits & paid funds$207,497The complete starting cash picture.
Estimated remaining funds due at closing
$207,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,530.81
Your down payment$197,530.81
Closing costs + prepaids$9,966.35
Total buyer cash needed$207,497.16
Remaining funds due$207,497.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$263.25
Prepaid interest, first (25 days)$279.10
Fees + prepaids$9,966.35
Your down payment is the seller’s equity. You take over the $122,369 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $207,497.16 is due at closing. Uses and sources reconcile at $329,866.35 each. Not a Closing Disclosure.