Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$44,571Cash toward the purchase price.
Closing costs + prepaids$11,683Not just lender fees.
Before credits & paid funds$56,253The complete starting cash picture.
Estimated remaining funds due at closing
$56,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,570.64
Your down payment$44,570.64
Closing costs + prepaids$11,682.59
Total buyer cash needed$56,253.23
Remaining funds due$56,253.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$523.25
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$1,510.34
Fees + prepaids$11,682.59
Your down payment is the seller’s equity. You take over the $274,429 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $56,253.23 is due at closing. Uses and sources reconcile at $330,682.59 each. Not a Closing Disclosure.