Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$317,271Cash toward the purchase price.
Closing costs + prepaids$10,630Not just lender fees.
Before credits & paid funds$327,900The complete starting cash picture.
Estimated remaining funds due at closing
$327,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,270.78
Your down payment$317,270.78
Closing costs + prepaids$10,629.72
Total buyer cash needed$327,900.49
Remaining funds due$327,900.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$246.50
Initial HOA (3 months)$765.00
Prepaid interest, first (31 days)$43.22
Fees + prepaids$10,629.72
Your down payment is the seller’s equity. You take over the $17,729 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $327,900.49 is due at closing. Uses and sources reconcile at $345,629.72 each. Not a Closing Disclosure.