Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$306,704Cash toward the purchase price.
Closing costs + prepaids$11,585Not just lender fees.
Before credits & paid funds$318,289The complete starting cash picture.
Estimated remaining funds due at closing
$318,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,704.46
Your down payment$306,704.46
Closing costs + prepaids$11,584.95
Total buyer cash needed$318,289.41
Remaining funds due$318,289.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$583.50
Initial HOA (3 months)$423.00
Prepaid interest, first (31 days)$403.45
Fees + prepaids$11,584.95
Your down payment is the seller’s equity. You take over the $88,296 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $318,289.41 is due at closing. Uses and sources reconcile at $406,584.95 each. Not a Closing Disclosure.