Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$316,231Cash toward the purchase price.
Closing costs + prepaids$10,603Not just lender fees.
Before credits & paid funds$326,834The complete starting cash picture.
Estimated remaining funds due at closing
$326,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,231.45
Your down payment$316,231.45
Closing costs + prepaids$10,602.91
Total buyer cash needed$326,834.36
Remaining funds due$326,834.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,250.00
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)$890.25
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$42.66
Fees + prepaids$10,602.91
Your down payment is the seller’s equity. You take over the $8,769 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $326,834.36 is due at closing. Uses and sources reconcile at $335,602.91 each. Not a Closing Disclosure.