Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$286,353Cash toward the purchase price.
Closing costs + prepaids$11,576Not just lender fees.
Before credits & paid funds$297,929The complete starting cash picture.
Estimated remaining funds due at closing
$297,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,353.36
Your down payment$286,353.36
Closing costs + prepaids$11,575.88
Total buyer cash needed$297,929.24
Remaining funds due$297,929.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,140.00
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)$2,031.25
Initial HOA (3 months)$37.50
Prepaid interest, first (27 days)$142.13
Fees + prepaids$11,575.88
Your down payment is the seller’s equity. You take over the $27,647 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $297,929.24 is due at closing. Uses and sources reconcile at $325,575.88 each. Not a Closing Disclosure.