Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$306,190Cash toward the purchase price.
Closing costs + prepaids$9,910Not just lender fees.
Before credits & paid funds$316,100The complete starting cash picture.
Estimated remaining funds due at closing
$316,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,189.93
Your down payment$306,189.93
Closing costs + prepaids$9,910.16
Total buyer cash needed$316,100.09
Remaining funds due$316,100.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,130.00
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)$502.50
Initial HOA (3 months)$12.00
Prepaid interest, first (31 days)$40.66
Fees + prepaids$9,910.16
Your down payment is the seller’s equity. You take over the $6,810 balance, so the rest of the $313,000 price is paid at closing. A second mortgage can cover part of it. $316,100.09 is due at closing. Uses and sources reconcile at $322,910.16 each. Not a Closing Disclosure.