Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$310,359Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$322,821The complete starting cash picture.
Estimated remaining funds due at closing
$322,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,358.95
Your down payment$310,358.95
Closing costs + prepaids$12,462.53
Total buyer cash needed$322,821.48
Remaining funds due$322,821.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$589.00
Initial HOA (3 months)$1,740.00
Prepaid interest, first (1 days)$8.53
Fees + prepaids$12,462.53
Your down payment is the seller’s equity. You take over the $79,641 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $322,821.48 is due at closing. Uses and sources reconcile at $402,462.53 each. Not a Closing Disclosure.