Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$313,948Cash toward the purchase price.
Closing costs + prepaids$10,376Not just lender fees.
Before credits & paid funds$324,323The complete starting cash picture.
Estimated remaining funds due at closing
$324,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,947.68
Your down payment$313,947.68
Closing costs + prepaids$10,375.72
Total buyer cash needed$324,323.41
Remaining funds due$324,323.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.99
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)$337.00
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$13.73
Fees + prepaids$10,375.72
Your down payment is the seller’s equity. You take over the $51,051 balance, so the rest of the $364,999 price is paid at closing. A second mortgage can cover part of it. $324,323.41 is due at closing. Uses and sources reconcile at $375,374.72 each. Not a Closing Disclosure.