Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$314,192Cash toward the purchase price.
Closing costs + prepaids$10,492Not just lender fees.
Before credits & paid funds$324,684The complete starting cash picture.
Estimated remaining funds due at closing
$324,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,191.69
Your down payment$314,191.69
Closing costs + prepaids$10,491.84
Total buyer cash needed$324,683.52
Remaining funds due$324,683.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.98
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)$337.00
Initial HOA (3 months)$150.00
Prepaid interest, first (19 days)$129.86
Fees + prepaids$10,491.84
Your down payment is the seller’s equity. You take over the $50,806 balance, so the rest of the $364,998 price is paid at closing. A second mortgage can cover part of it. $324,683.52 is due at closing. Uses and sources reconcile at $375,489.84 each. Not a Closing Disclosure.