Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$309,418Cash toward the purchase price.
Closing costs + prepaids$9,606Not just lender fees.
Before credits & paid funds$319,024The complete starting cash picture.
Estimated remaining funds due at closing
$319,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,418.33
Your down payment$309,418.33
Closing costs + prepaids$9,606.14
Total buyer cash needed$319,024.47
Remaining funds due$319,024.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$143.50
Prepaid interest, first (31 days)$37.65
Fees + prepaids$9,606.14
Your down payment is the seller’s equity. You take over the $10,581 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $319,024.47 is due at closing. Uses and sources reconcile at $329,605.14 each. Not a Closing Disclosure.