Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$305,662Cash toward the purchase price.
Closing costs + prepaids$11,194Not just lender fees.
Before credits & paid funds$316,856The complete starting cash picture.
Estimated remaining funds due at closing
$316,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,661.88
Your down payment$305,661.88
Closing costs + prepaids$11,194.02
Total buyer cash needed$316,855.90
Remaining funds due$316,855.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,157.50
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)$525.25
Initial HOA (3 months)$60.00
Prepaid interest, first (22 days)$226.27
Fees + prepaids$11,194.02
Your down payment is the seller’s equity. You take over the $110,088 balance, so the rest of the $415,750 price is paid at closing. A second mortgage can cover part of it. $316,855.90 is due at closing. Uses and sources reconcile at $426,944.02 each. Not a Closing Disclosure.