Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$300,454Cash toward the purchase price.
Closing costs + prepaids$10,374Not just lender fees.
Before credits & paid funds$310,827The complete starting cash picture.
Estimated remaining funds due at closing
$310,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,453.69
Your down payment$300,453.69
Closing costs + prepaids$10,373.57
Total buyer cash needed$310,827.26
Remaining funds due$310,827.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$372.00
Initial HOA (3 months)$660.00
Prepaid interest, first (9 days)$16.57
Fees + prepaids$10,373.57
Your down payment is the seller’s equity. You take over the $9,546 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $310,827.26 is due at closing. Uses and sources reconcile at $320,373.57 each. Not a Closing Disclosure.