Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$251,231Cash toward the purchase price.
Closing costs + prepaids$10,291Not just lender fees.
Before credits & paid funds$261,522The complete starting cash picture.
Estimated remaining funds due at closing
$261,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,230.60
Your down payment$251,230.60
Closing costs + prepaids$10,291.08
Total buyer cash needed$261,521.67
Remaining funds due$261,521.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,220.00
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)$252.50
Initial HOA (3 months)$293.01
Prepaid interest, first (23 days)$300.57
Fees + prepaids$10,291.08
Your down payment is the seller’s equity. You take over the $70,769 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $261,521.67 is due at closing. Uses and sources reconcile at $332,291.08 each. Not a Closing Disclosure.