Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$304,794Cash toward the purchase price.
Closing costs + prepaids$10,080Not just lender fees.
Before credits & paid funds$314,874The complete starting cash picture.
Estimated remaining funds due at closing
$314,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,793.87
Your down payment$304,793.87
Closing costs + prepaids$10,079.96
Total buyer cash needed$314,873.83
Remaining funds due$314,873.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$467.50
Initial HOA (3 months)$198.00
Prepaid interest, first (21 days)$39.46
Fees + prepaids$10,079.96
Your down payment is the seller’s equity. You take over the $10,206 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $314,873.83 is due at closing. Uses and sources reconcile at $325,079.96 each. Not a Closing Disclosure.