Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$312,977Cash toward the purchase price.
Closing costs + prepaids$10,264Not just lender fees.
Before credits & paid funds$323,240The complete starting cash picture.
Estimated remaining funds due at closing
$323,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,976.63
Your down payment$312,976.63
Closing costs + prepaids$10,263.54
Total buyer cash needed$323,240.17
Remaining funds due$323,240.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$307.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$7.29
Fees + prepaids$10,263.54
Your down payment is the seller’s equity. You take over the $36,923 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $323,240.17 is due at closing. Uses and sources reconcile at $360,163.54 each. Not a Closing Disclosure.