Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$310,421Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$321,399The complete starting cash picture.
Estimated remaining funds due at closing
$321,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,420.65
Your down payment$310,420.65
Closing costs + prepaids$10,978.69
Total buyer cash needed$321,399.34
Remaining funds due$321,399.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.90
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)$537.50
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$241.29
Fees + prepaids$10,978.69
Your down payment is the seller’s equity. You take over the $64,569 balance, so the rest of the $374,990 price is paid at closing. A second mortgage can cover part of it. $321,399.34 is due at closing. Uses and sources reconcile at $385,968.69 each. Not a Closing Disclosure.