Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$210,004Cash toward the purchase price.
Closing costs + prepaids$10,766Not just lender fees.
Before credits & paid funds$220,769The complete starting cash picture.
Estimated remaining funds due at closing
$220,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,003.54
Your down payment$210,003.54
Closing costs + prepaids$10,765.75
Total buyer cash needed$220,769.30
Remaining funds due$220,769.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$429.00
Initial HOA (3 months)$519.00
Prepaid interest, first (31 days)$412.75
Fees + prepaids$10,765.75
Your down payment is the seller’s equity. You take over the $107,996 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $220,769.30 is due at closing. Uses and sources reconcile at $328,765.75 each. Not a Closing Disclosure.