Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$234,058Cash toward the purchase price.
Closing costs + prepaids$10,021Not just lender fees.
Before credits & paid funds$244,079The complete starting cash picture.
Estimated remaining funds due at closing
$244,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,057.53
Your down payment$234,057.53
Closing costs + prepaids$10,021.02
Total buyer cash needed$244,078.55
Remaining funds due$244,078.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$454.75
Prepaid interest, first (23 days)$191.27
Fees + prepaids$10,021.02
Your down payment is the seller’s equity. You take over the $80,942 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $244,078.55 is due at closing. Uses and sources reconcile at $325,021.02 each. Not a Closing Disclosure.