Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$73,198Cash toward the purchase price.
Closing costs + prepaids$10,190Not just lender fees.
Before credits & paid funds$83,388The complete starting cash picture.
Estimated remaining funds due at closing
$83,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,197.78
Your down payment$73,197.78
Closing costs + prepaids$10,190.23
Total buyer cash needed$83,388.01
Remaining funds due$83,388.01
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)$378.00
Prepaid interest, first (10 days)$437.23
Fees + prepaids$10,190.23
Your down payment is the seller’s equity. You take over the $241,802 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $83,388.01 is due at closing. Uses and sources reconcile at $325,190.23 each. Not a Closing Disclosure.