Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$312,749Cash toward the purchase price.
Closing costs + prepaids$10,116Not just lender fees.
Before credits & paid funds$322,864The complete starting cash picture.
Estimated remaining funds due at closing
$322,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,748.58
Your down payment$312,748.58
Closing costs + prepaids$10,115.61
Total buyer cash needed$322,864.18
Remaining funds due$322,864.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$517.25
Initial HOA (3 months)$141.00
Prepaid interest, first (25 days)$33.36
Fees + prepaids$10,115.61
Your down payment is the seller’s equity. You take over the $7,151 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $322,864.18 is due at closing. Uses and sources reconcile at $330,015.61 each. Not a Closing Disclosure.