Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$283,986Cash toward the purchase price.
Closing costs + prepaids$10,768Not just lender fees.
Before credits & paid funds$294,753The complete starting cash picture.
Estimated remaining funds due at closing
$294,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,985.51
Your down payment$283,985.51
Closing costs + prepaids$10,767.72
Total buyer cash needed$294,753.23
Remaining funds due$294,753.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$1,219.00
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$83.72
Fees + prepaids$10,767.72
Your down payment is the seller’s equity. You take over the $25,014 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $294,753.23 is due at closing. Uses and sources reconcile at $319,767.72 each. Not a Closing Disclosure.