Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$304,782Cash toward the purchase price.
Closing costs + prepaids$10,042Not just lender fees.
Before credits & paid funds$314,825The complete starting cash picture.
Estimated remaining funds due at closing
$314,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,782.21
Your down payment$304,782.21
Closing costs + prepaids$10,042.38
Total buyer cash needed$314,824.59
Remaining funds due$314,824.59
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 (1 days)$1.88
Fees + prepaids$10,042.38
Your down payment is the seller’s equity. You take over the $10,218 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $314,824.59 is due at closing. Uses and sources reconcile at $325,042.38 each. Not a Closing Disclosure.