Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$305,215Cash toward the purchase price.
Closing costs + prepaids$10,991Not just lender fees.
Before credits & paid funds$316,206The complete starting cash picture.
Estimated remaining funds due at closing
$316,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,214.94
Your down payment$305,214.94
Closing costs + prepaids$10,990.86
Total buyer cash needed$316,205.80
Remaining funds due$316,205.80
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)$1,533.00
Prepaid interest, first (24 days)$32.86
Fees + prepaids$10,990.86
Your down payment is the seller’s equity. You take over the $14,785 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $316,205.80 is due at closing. Uses and sources reconcile at $330,990.86 each. Not a Closing Disclosure.