Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$277,529Cash toward the purchase price.
Closing costs + prepaids$10,685Not just lender fees.
Before credits & paid funds$288,214The complete starting cash picture.
Estimated remaining funds due at closing
$288,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,528.81
Your down payment$277,528.81
Closing costs + prepaids$10,685.11
Total buyer cash needed$288,213.92
Remaining funds due$288,213.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,125.00
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)$650.75
Initial HOA (3 months)$510.00
Prepaid interest, first (27 days)$174.36
Fees + prepaids$10,685.11
Your down payment is the seller’s equity. You take over the $34,971 balance, so the rest of the $312,500 price is paid at closing. A second mortgage can cover part of it. $288,213.92 is due at closing. Uses and sources reconcile at $323,185.11 each. Not a Closing Disclosure.