Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$300,655Cash toward the purchase price.
Closing costs + prepaids$10,251Not just lender fees.
Before credits & paid funds$310,906The complete starting cash picture.
Estimated remaining funds due at closing
$310,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,655.02
Your down payment$300,655.02
Closing costs + prepaids$10,251.30
Total buyer cash needed$310,906.32
Remaining funds due$310,906.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,200.00
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)$572.25
Initial HOA (3 months)$201.00
Prepaid interest, first (26 days)$53.05
Fees + prepaids$10,251.30
Your down payment is the seller’s equity. You take over the $19,345 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $310,906.32 is due at closing. Uses and sources reconcile at $330,251.30 each. Not a Closing Disclosure.