Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$264,996Cash toward the purchase price.
Closing costs + prepaids$10,069Not just lender fees.
Before credits & paid funds$275,065The complete starting cash picture.
Estimated remaining funds due at closing
$275,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,996.30
Your down payment$264,996.30
Closing costs + prepaids$10,069.11
Total buyer cash needed$275,065.41
Remaining funds due$275,065.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$376.75
Initial HOA (3 months)$99.99
Prepaid interest, first (27 days)$177.37
Fees + prepaids$10,069.11
Your down payment is the seller’s equity. You take over the $54,004 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $275,065.41 is due at closing. Uses and sources reconcile at $329,069.11 each. Not a Closing Disclosure.