Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,674Cash toward the purchase price.
Closing costs + prepaids$10,009Not just lender fees.
Before credits & paid funds$310,683The complete starting cash picture.
Estimated remaining funds due at closing
$310,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,673.54
Your down payment$300,673.54
Closing costs + prepaids$10,009.38
Total buyer cash needed$310,682.91
Remaining funds due$310,682.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,475.00
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)$234.75
Initial HOA (3 months)$60.00
Prepaid interest, first (2 days)$14.63
Fees + prepaids$10,009.38
Your down payment is the seller’s equity. You take over the $46,826 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $310,682.91 is due at closing. Uses and sources reconcile at $357,509.38 each. Not a Closing Disclosure.