Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$209,477Cash toward the purchase price.
Closing costs + prepaids$10,380Not just lender fees.
Before credits & paid funds$219,857The complete starting cash picture.
Estimated remaining funds due at closing
$219,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,477.08
Your down payment$209,477.08
Closing costs + prepaids$10,379.76
Total buyer cash needed$219,856.84
Remaining funds due$219,856.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$429.00
Initial HOA (3 months)$519.00
Prepaid interest, first (2 days)$26.76
Fees + prepaids$10,379.76
Your down payment is the seller’s equity. You take over the $108,523 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $219,856.84 is due at closing. Uses and sources reconcile at $328,379.76 each. Not a Closing Disclosure.