Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$292,053Cash toward the purchase price.
Closing costs + prepaids$10,268Not just lender fees.
Before credits & paid funds$302,321The complete starting cash picture.
Estimated remaining funds due at closing
$302,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,052.83
Your down payment$292,052.83
Closing costs + prepaids$10,268.06
Total buyer cash needed$302,320.90
Remaining funds due$302,320.90
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)$405.00
Prepaid interest, first (16 days)$39.06
Fees + prepaids$10,268.06
Your down payment is the seller’s equity. You take over the $27,847 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $302,320.90 is due at closing. Uses and sources reconcile at $330,168.06 each. Not a Closing Disclosure.