Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$303,531Cash toward the purchase price.
Closing costs + prepaids$11,664Not just lender fees.
Before credits & paid funds$315,196The complete starting cash picture.
Estimated remaining funds due at closing
$315,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,531.24
Your down payment$303,531.24
Closing costs + prepaids$11,664.39
Total buyer cash needed$315,195.63
Remaining funds due$315,195.63
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)$680.75
Initial HOA (3 months)$363.00
Prepaid interest, first (30 days)$395.65
Fees + prepaids$11,664.39
Your down payment is the seller’s equity. You take over the $96,468 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $315,195.63 is due at closing. Uses and sources reconcile at $411,663.39 each. Not a Closing Disclosure.