Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$300,454Cash toward the purchase price.
Closing costs + prepaids$10,269Not just lender fees.
Before credits & paid funds$310,722The complete starting cash picture.
Estimated remaining funds due at closing
$310,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,453.69
Your down payment$300,453.69
Closing costs + prepaids$10,268.58
Total buyer cash needed$310,722.27
Remaining funds due$310,722.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$226.50
Initial HOA (3 months)$660.00
Prepaid interest, first (31 days)$57.08
Fees + prepaids$10,268.58
Your down payment is the seller’s equity. You take over the $9,546 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $310,722.27 is due at closing. Uses and sources reconcile at $320,268.58 each. Not a Closing Disclosure.