Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$310,171Cash toward the purchase price.
Closing costs + prepaids$10,745Not just lender fees.
Before credits & paid funds$320,917The complete starting cash picture.
Estimated remaining funds due at closing
$320,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,171.46
Your down payment$310,171.46
Closing costs + prepaids$10,745.21
Total buyer cash needed$320,916.68
Remaining funds due$320,916.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.90
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)$537.50
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$7.81
Fees + prepaids$10,745.21
Your down payment is the seller’s equity. You take over the $64,819 balance, so the rest of the $374,990 price is paid at closing. A second mortgage can cover part of it. $320,916.68 is due at closing. Uses and sources reconcile at $385,735.21 each. Not a Closing Disclosure.