Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$306,419Cash toward the purchase price.
Closing costs + prepaids$11,131Not just lender fees.
Before credits & paid funds$317,551The complete starting cash picture.
Estimated remaining funds due at closing
$317,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,419.39
Your down payment$306,419.39
Closing costs + prepaids$11,131.42
Total buyer cash needed$317,550.81
Remaining funds due$317,550.81
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)$803.25
Initial HOA (3 months)$945.00
Prepaid interest, first (5 days)$8.17
Fees + prepaids$11,131.42
Your down payment is the seller’s equity. You take over the $8,581 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $317,550.81 is due at closing. Uses and sources reconcile at $326,131.42 each. Not a Closing Disclosure.