Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$205,825Cash toward the purchase price.
Closing costs + prepaids$10,263Not just lender fees.
Before credits & paid funds$216,088The complete starting cash picture.
Estimated remaining funds due at closing
$216,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,825.33
Your down payment$205,825.33
Closing costs + prepaids$10,262.82
Total buyer cash needed$216,088.16
Remaining funds due$216,088.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$813.50
Prepaid interest, first (3 days)$34.32
Fees + prepaids$10,262.82
Your down payment is the seller’s equity. You take over the $113,175 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $216,088.16 is due at closing. Uses and sources reconcile at $329,262.82 each. Not a Closing Disclosure.