Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$250,319Cash toward the purchase price.
Closing costs + prepaids$11,905Not just lender fees.
Before credits & paid funds$262,223The complete starting cash picture.
Estimated remaining funds due at closing
$262,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,318.52
Your down payment$250,318.52
Closing costs + prepaids$11,904.78
Total buyer cash needed$262,223.29
Remaining funds due$262,223.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,105.00
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)$1,610.50
Initial HOA (3 months)$699.00
Prepaid interest, first (31 days)$265.28
Fees + prepaids$11,904.78
Your down payment is the seller’s equity. You take over the $60,181 balance, so the rest of the $310,500 price is paid at closing. A second mortgage can cover part of it. $262,223.29 is due at closing. Uses and sources reconcile at $322,404.78 each. Not a Closing Disclosure.