Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$329,780Cash toward the purchase price.
Closing costs + prepaids$11,282Not just lender fees.
Before credits & paid funds$341,062The complete starting cash picture.
Estimated remaining funds due at closing
$341,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,780.34
Your down payment$329,780.34
Closing costs + prepaids$11,282.14
Total buyer cash needed$341,062.47
Remaining funds due$341,062.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$459.50
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$387.65
Fees + prepaids$11,282.14
Your down payment is the seller’s equity. You take over the $70,219 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $341,062.47 is due at closing. Uses and sources reconcile at $411,281.14 each. Not a Closing Disclosure.