Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$235,986Cash toward the purchase price.
Closing costs + prepaids$10,646Not just lender fees.
Before credits & paid funds$246,632The complete starting cash picture.
Estimated remaining funds due at closing
$246,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,986.34
Your down payment$235,986.34
Closing costs + prepaids$10,645.51
Total buyer cash needed$246,631.85
Remaining funds due$246,631.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,194.90
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)$898.00
Initial HOA (3 months)$63.99
Prepaid interest, first (23 days)$263.62
Fees + prepaids$10,645.51
Your down payment is the seller’s equity. You take over the $83,504 balance, so the rest of the $319,490 price is paid at closing. A second mortgage can cover part of it. $246,631.85 is due at closing. Uses and sources reconcile at $330,135.51 each. Not a Closing Disclosure.