Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$214,543Cash toward the purchase price.
Closing costs + prepaids$10,125Not just lender fees.
Before credits & paid funds$224,669The complete starting cash picture.
Estimated remaining funds due at closing
$224,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,543.46
Your down payment$214,543.46
Closing costs + prepaids$10,125.30
Total buyer cash needed$224,668.76
Remaining funds due$224,668.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$397.50
Initial HOA (3 months)$105.00
Prepaid interest, first (17 days)$217.80
Fees + prepaids$10,125.30
Your down payment is the seller’s equity. You take over the $103,457 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $224,668.76 is due at closing. Uses and sources reconcile at $328,125.30 each. Not a Closing Disclosure.