Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$7,319Cash toward the purchase price.
Closing costs + prepaids$12,444Not just lender fees.
Before credits & paid funds$19,762The complete starting cash picture.
Estimated remaining funds due at closing
$19,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,318.62
Your down payment$7,318.62
Closing costs + prepaids$12,443.69
Total buyer cash needed$19,762.31
Remaining funds due$19,762.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,195.00
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)$1,713.00
Initial HOA (3 months)$17.49
Prepaid interest, first (24 days)$1,293.20
Fees + prepaids$12,443.69
Your down payment is the seller’s equity. You take over the $312,181 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $19,762.31 is due at closing. Uses and sources reconcile at $331,943.69 each. Not a Closing Disclosure.