Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$217,706Cash toward the purchase price.
Closing costs + prepaids$9,974Not just lender fees.
Before credits & paid funds$227,680The complete starting cash picture.
Estimated remaining funds due at closing
$227,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,705.94
Your down payment$217,705.94
Closing costs + prepaids$9,974.26
Total buyer cash needed$227,680.21
Remaining funds due$227,680.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$390.00
Prepaid interest, first (9 days)$109.26
Fees + prepaids$9,974.26
Your down payment is the seller’s equity. You take over the $107,294 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $227,680.21 is due at closing. Uses and sources reconcile at $334,974.26 each. Not a Closing Disclosure.