Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$56,338Cash toward the purchase price.
Closing costs + prepaids$11,743Not just lender fees.
Before credits & paid funds$68,081The complete starting cash picture.
Estimated remaining funds due at closing
$68,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,338.42
Your down payment$56,338.42
Closing costs + prepaids$11,742.67
Total buyer cash needed$68,081.09
Remaining funds due$68,081.09
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)$820.50
Initial HOA (3 months)$540.00
Prepaid interest, first (24 days)$967.17
Fees + prepaids$11,742.67
Your down payment is the seller’s equity. You take over the $262,662 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $68,081.09 is due at closing. Uses and sources reconcile at $330,742.67 each. Not a Closing Disclosure.