Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$5,800Cash toward the purchase price.
Closing costs + prepaids$11,278Not just lender fees.
Before credits & paid funds$17,078The complete starting cash picture.
Estimated remaining funds due at closing
$17,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,800.26
Your down payment$5,800.26
Closing costs + prepaids$11,277.69
Total buyer cash needed$17,077.94
Remaining funds due$17,077.94
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)$400.00
Initial HOA (3 months)$594.00
Prepaid interest, first (15 days)$859.69
Fees + prepaids$11,277.69
Your down payment is the seller’s equity. You take over the $314,100 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $17,077.94 is due at closing. Uses and sources reconcile at $331,177.69 each. Not a Closing Disclosure.