Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$303,758Cash toward the purchase price.
Closing costs + prepaids$10,739Not just lender fees.
Before credits & paid funds$314,497The complete starting cash picture.
Estimated remaining funds due at closing
$314,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,757.80
Your down payment$303,757.80
Closing costs + prepaids$10,739.20
Total buyer cash needed$314,496.99
Remaining funds due$314,496.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$1,162.75
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$51.45
Fees + prepaids$10,739.20
Your down payment is the seller’s equity. You take over the $11,242 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $314,496.99 is due at closing. Uses and sources reconcile at $325,739.20 each. Not a Closing Disclosure.