Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$302,367Cash toward the purchase price.
Closing costs + prepaids$11,147Not just lender fees.
Before credits & paid funds$313,515The complete starting cash picture.
Estimated remaining funds due at closing
$313,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,367.29
Your down payment$302,367.29
Closing costs + prepaids$11,147.22
Total buyer cash needed$313,514.51
Remaining funds due$313,514.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,169.90
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)$1,717.50
Initial HOA (3 months)$29.49
Prepaid interest, first (2 days)$5.33
Fees + prepaids$11,147.22
Your down payment is the seller’s equity. You take over the $14,623 balance, so the rest of the $316,990 price is paid at closing. A second mortgage can cover part of it. $313,514.51 is due at closing. Uses and sources reconcile at $328,137.22 each. Not a Closing Disclosure.