Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$316,525Cash toward the purchase price.
Closing costs + prepaids$9,861Not just lender fees.
Before credits & paid funds$326,386The complete starting cash picture.
Estimated remaining funds due at closing
$326,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,524.53
Your down payment$316,524.53
Closing costs + prepaids$9,861.32
Total buyer cash needed$326,385.85
Remaining funds due$326,385.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$297.75
Initial HOA (3 months)$45.00
Prepaid interest, first (29 days)$43.57
Fees + prepaids$9,861.32
Your down payment is the seller’s equity. You take over the $8,475 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $326,385.85 is due at closing. Uses and sources reconcile at $334,861.32 each. Not a Closing Disclosure.