Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$291,693Cash toward the purchase price.
Closing costs + prepaids$10,208Not just lender fees.
Before credits & paid funds$301,901The complete starting cash picture.
Estimated remaining funds due at closing
$301,901No 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$10,208.32
Total buyer cash needed$301,901.01
Remaining funds due$301,901.01
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)$323.75
Initial HOA (3 months)$114.00
Prepaid interest, first (20 days)$145.58
Fees + prepaids$10,208.32
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. $301,901.01 is due at closing. Uses and sources reconcile at $350,207.32 each. Not a Closing Disclosure.