Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$308,582Cash toward the purchase price.
Closing costs + prepaids$9,861Not just lender fees.
Before credits & paid funds$318,443The complete starting cash picture.
Estimated remaining funds due at closing
$318,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,581.75
Your down payment$308,581.75
Closing costs + prepaids$9,861.40
Total buyer cash needed$318,443.15
Remaining funds due$318,443.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$412.00
Initial HOA (3 months)$60.00
Prepaid interest, first (31 days)$15.40
Fees + prepaids$9,861.40
Your down payment is the seller’s equity. You take over the $6,318 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $318,443.15 is due at closing. Uses and sources reconcile at $324,761.40 each. Not a Closing Disclosure.