Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$291,693Cash toward the purchase price.
Closing costs + prepaids$10,220Not just lender fees.
Before credits & paid funds$301,912The complete starting cash picture.
Estimated remaining funds due at closing
$301,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,692.69
Your down payment$291,692.69
Closing costs + prepaids$10,219.78
Total buyer cash needed$301,912.47
Remaining funds due$301,912.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$408.00
Initial HOA (3 months)$114.00
Prepaid interest, first (10 days)$72.79
Fees + prepaids$10,219.78
Your down payment is the seller’s equity. You take over the $48,306 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $301,912.47 is due at closing. Uses and sources reconcile at $350,218.78 each. Not a Closing Disclosure.