Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,543Cash toward the purchase price.
Closing costs + prepaids$10,314Not just lender fees.
Before credits & paid funds$224,858The complete starting cash picture.
Estimated remaining funds due at closing
$224,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,543.46
Your down payment$214,543.46
Closing costs + prepaids$10,314.47
Total buyer cash needed$224,857.93
Remaining funds due$224,857.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$445.75
Initial HOA (3 months)$105.00
Prepaid interest, first (28 days)$358.72
Fees + prepaids$10,314.47
Your down payment is the seller’s equity. You take over the $103,457 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $224,857.93 is due at closing. Uses and sources reconcile at $328,314.47 each. Not a Closing Disclosure.