Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$221,736Cash toward the purchase price.
Closing costs + prepaids$10,007Not just lender fees.
Before credits & paid funds$231,743The complete starting cash picture.
Estimated remaining funds due at closing
$231,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,735.60
Your down payment$221,735.60
Closing costs + prepaids$10,007.36
Total buyer cash needed$231,742.96
Remaining funds due$231,742.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$339.50
Prepaid interest, first (29 days)$293.86
Fees + prepaids$10,007.36
Your down payment is the seller’s equity. You take over the $93,164 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $231,742.96 is due at closing. Uses and sources reconcile at $324,907.36 each. Not a Closing Disclosure.