Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$207,961Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$218,798The complete starting cash picture.
Estimated remaining funds due at closing
$218,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,961.27
Your down payment$207,961.27
Closing costs + prepaids$10,836.35
Total buyer cash needed$218,797.63
Remaining funds due$218,797.63
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)$381.50
Initial HOA (3 months)$957.00
Prepaid interest, first (7 days)$92.85
Fees + prepaids$10,836.35
Your down payment is the seller’s equity. You take over the $110,039 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $218,797.63 is due at closing. Uses and sources reconcile at $328,836.35 each. Not a Closing Disclosure.