Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$57,591Cash toward the purchase price.
Closing costs + prepaids$11,613Not just lender fees.
Before credits & paid funds$69,204The complete starting cash picture.
Estimated remaining funds due at closing
$69,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,590.80
Your down payment$57,590.80
Closing costs + prepaids$11,613.20
Total buyer cash needed$69,204.00
Remaining funds due$69,204.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$1,086.50
Initial HOA (3 months)$435.00
Prepaid interest, first (25 days)$686.70
Fees + prepaids$11,613.20
Your down payment is the seller’s equity. You take over the $260,409 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $69,204.00 is due at closing. Uses and sources reconcile at $329,613.20 each. Not a Closing Disclosure.