Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$316,585Cash toward the purchase price.
Closing costs + prepaids$10,660Not just lender fees.
Before credits & paid funds$327,245The complete starting cash picture.
Estimated remaining funds due at closing
$327,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,585.32
Your down payment$316,585.32
Closing costs + prepaids$10,659.96
Total buyer cash needed$327,245.28
Remaining funds due$327,245.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,670.00
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)$440.50
Initial HOA (3 months)$258.99
Prepaid interest, first (10 days)$65.47
Fees + prepaids$10,659.96
Your down payment is the seller’s equity. You take over the $50,415 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $327,245.28 is due at closing. Uses and sources reconcile at $377,659.96 each. Not a Closing Disclosure.