Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$310,524Cash toward the purchase price.
Closing costs + prepaids$11,144Not just lender fees.
Before credits & paid funds$321,669The complete starting cash picture.
Estimated remaining funds due at closing
$321,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,524.46
Your down payment$310,524.46
Closing costs + prepaids$11,144.09
Total buyer cash needed$321,668.54
Remaining funds due$321,668.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$1,102.75
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$186.34
Fees + prepaids$11,144.09
Your down payment is the seller’s equity. You take over the $38,976 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $321,668.54 is due at closing. Uses and sources reconcile at $360,644.09 each. Not a Closing Disclosure.