Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$299,158Cash toward the purchase price.
Closing costs + prepaids$10,731Not just lender fees.
Before credits & paid funds$309,889The complete starting cash picture.
Estimated remaining funds due at closing
$309,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,158.13
Your down payment$299,158.13
Closing costs + prepaids$10,731.04
Total buyer cash needed$309,889.17
Remaining funds due$309,889.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$1,012.25
Initial HOA (3 months)$24.99
Prepaid interest, first (30 days)$169.80
Fees + prepaids$10,731.04
Your down payment is the seller’s equity. You take over the $30,742 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $309,889.17 is due at closing. Uses and sources reconcile at $340,631.04 each. Not a Closing Disclosure.