Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$341,381Cash toward the purchase price.
Closing costs + prepaids$11,723Not just lender fees.
Before credits & paid funds$353,103The complete starting cash picture.
Estimated remaining funds due at closing
$353,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,380.75
Your down payment$341,380.75
Closing costs + prepaids$11,722.65
Total buyer cash needed$353,103.41
Remaining funds due$353,103.41
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)$1,473.50
Initial HOA (3 months)$62.49
Prepaid interest, first (2 days)$11.66
Fees + prepaids$11,722.65
Your down payment is the seller’s equity. You take over the $53,619 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $353,103.41 is due at closing. Uses and sources reconcile at $406,722.65 each. Not a Closing Disclosure.