Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$298,564Cash toward the purchase price.
Closing costs + prepaids$11,116Not just lender fees.
Before credits & paid funds$309,680The complete starting cash picture.
Estimated remaining funds due at closing
$309,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,563.92
Your down payment$298,563.92
Closing costs + prepaids$11,115.89
Total buyer cash needed$309,679.81
Remaining funds due$309,679.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,630.00
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)$341.50
Initial HOA (3 months)$750.00
Prepaid interest, first (19 days)$169.39
Fees + prepaids$11,115.89
Your down payment is the seller’s equity. You take over the $64,436 balance, so the rest of the $363,000 price is paid at closing. A second mortgage can cover part of it. $309,679.81 is due at closing. Uses and sources reconcile at $374,115.89 each. Not a Closing Disclosure.