Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$200,502Cash toward the purchase price.
Closing costs + prepaids$9,989Not just lender fees.
Before credits & paid funds$210,491The complete starting cash picture.
Estimated remaining funds due at closing
$210,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,502.39
Your down payment$200,502.39
Closing costs + prepaids$9,988.64
Total buyer cash needed$210,491.03
Remaining funds due$210,491.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$152.25
Prepaid interest, first (31 days)$362.39
Fees + prepaids$9,988.64
Your down payment is the seller’s equity. You take over the $124,398 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $210,491.03 is due at closing. Uses and sources reconcile at $334,888.64 each. Not a Closing Disclosure.