Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$320,076Cash toward the purchase price.
Closing costs + prepaids$10,932Not just lender fees.
Before credits & paid funds$331,008The complete starting cash picture.
Estimated remaining funds due at closing
$331,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,076.36
Your down payment$320,076.36
Closing costs + prepaids$10,932.04
Total buyer cash needed$331,008.40
Remaining funds due$331,008.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$429.75
Initial HOA (3 months)$68.01
Prepaid interest, first (1 days)$9.28
Fees + prepaids$10,932.04
Your down payment is the seller’s equity. You take over the $99,924 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $331,008.40 is due at closing. Uses and sources reconcile at $430,932.04 each. Not a Closing Disclosure.