Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,192Cash toward the purchase price.
Closing costs + prepaids$12,474Not just lender fees.
Before credits & paid funds$64,666The complete starting cash picture.
Estimated remaining funds due at closing
$64,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,192.15
Your down payment$52,192.15
Closing costs + prepaids$12,473.96
Total buyer cash needed$64,666.11
Remaining funds due$64,666.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$836.25
Initial HOA (3 months)$864.00
Prepaid interest, first (26 days)$1,348.72
Fees + prepaids$12,473.96
Your down payment is the seller’s equity. You take over the $267,807 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $64,666.11 is due at closing. Uses and sources reconcile at $332,472.96 each. Not a Closing Disclosure.