Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$5,800Cash toward the purchase price.
Closing costs + prepaids$12,005Not just lender fees.
Before credits & paid funds$17,806The complete starting cash picture.
Estimated remaining funds due at closing
$17,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,800.26
Your down payment$5,800.26
Closing costs + prepaids$12,005.31
Total buyer cash needed$17,805.57
Remaining funds due$17,805.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$554.50
Initial HOA (3 months)$594.00
Prepaid interest, first (25 days)$1,432.81
Fees + prepaids$12,005.31
Your down payment is the seller’s equity. You take over the $314,100 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $17,805.57 is due at closing. Uses and sources reconcile at $331,905.31 each. Not a Closing Disclosure.