Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$95,238Cash toward the purchase price.
Closing costs + prepaids$10,400Not just lender fees.
Before credits & paid funds$105,638The complete starting cash picture.
Estimated remaining funds due at closing
$105,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,237.71
Your down payment$95,237.71
Closing costs + prepaids$10,400.18
Total buyer cash needed$105,637.89
Remaining funds due$105,637.89
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)$815.75
Initial HOA (3 months)$75.00
Prepaid interest, first (4 days)$85.43
Fees + prepaids$10,400.18
Your down payment is the seller’s equity. You take over the $224,662 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $105,637.89 is due at closing. Uses and sources reconcile at $330,300.18 each. Not a Closing Disclosure.