Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$250,162Cash toward the purchase price.
Closing costs + prepaids$10,337Not just lender fees.
Before credits & paid funds$260,499The complete starting cash picture.
Estimated remaining funds due at closing
$260,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,162.42
Your down payment$250,162.42
Closing costs + prepaids$10,336.59
Total buyer cash needed$260,499.01
Remaining funds due$260,499.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,220.00
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)$719.75
Initial HOA (3 months)$7.50
Prepaid interest, first (25 days)$164.34
Fees + prepaids$10,336.59
Your down payment is the seller’s equity. You take over the $71,838 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $260,499.01 is due at closing. Uses and sources reconcile at $332,336.59 each. Not a Closing Disclosure.