Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$309,944Cash toward the purchase price.
Closing costs + prepaids$11,678Not just lender fees.
Before credits & paid funds$321,621The complete starting cash picture.
Estimated remaining funds due at closing
$321,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,943.77
Your down payment$309,943.77
Closing costs + prepaids$11,677.56
Total buyer cash needed$321,621.33
Remaining funds due$321,621.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,425.60
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)$531.00
Initial HOA (3 months)$339.00
Prepaid interest, first (10 days)$156.96
Fees + prepaids$11,677.56
Your down payment is the seller’s equity. You take over the $132,616 balance, so the rest of the $442,560 price is paid at closing. A second mortgage can cover part of it. $321,621.33 is due at closing. Uses and sources reconcile at $454,237.56 each. Not a Closing Disclosure.