Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$13,310Cash toward the purchase price.
Closing costs + prepaids$13,022Not just lender fees.
Before credits & paid funds$26,333The complete starting cash picture.
Estimated remaining funds due at closing
$26,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,310.26
Your down payment$13,310.26
Closing costs + prepaids$13,022.48
Total buyer cash needed$26,332.74
Remaining funds due$26,332.74
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)$2,072.75
Initial HOA (3 months)$42.51
Prepaid interest, first (27 days)$1,483.22
Fees + prepaids$13,022.48
Your down payment is the seller’s equity. You take over the $306,590 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $26,332.74 is due at closing. Uses and sources reconcile at $332,922.48 each. Not a Closing Disclosure.