Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$232,397Cash toward the purchase price.
Closing costs + prepaids$11,122Not just lender fees.
Before credits & paid funds$243,519The complete starting cash picture.
Estimated remaining funds due at closing
$243,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,396.92
Your down payment$232,396.92
Closing costs + prepaids$11,122.48
Total buyer cash needed$243,519.41
Remaining funds due$243,519.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,080.00
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)$531.50
Initial HOA (3 months)$996.00
Prepaid interest, first (28 days)$289.98
Fees + prepaids$11,122.48
Your down payment is the seller’s equity. You take over the $75,603 balance, so the rest of the $308,000 price is paid at closing. A second mortgage can cover part of it. $243,519.41 is due at closing. Uses and sources reconcile at $319,122.48 each. Not a Closing Disclosure.