Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$290,235Cash toward the purchase price.
Closing costs + prepaids$11,666Not just lender fees.
Before credits & paid funds$301,901The complete starting cash picture.
Estimated remaining funds due at closing
$301,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,235.30
Your down payment$290,235.30
Closing costs + prepaids$11,665.69
Total buyer cash needed$301,900.98
Remaining funds due$301,900.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,980.00
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)$546.25
Initial HOA (3 months)$600.00
Prepaid interest, first (30 days)$314.44
Fees + prepaids$11,665.69
Your down payment is the seller’s equity. You take over the $107,765 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $301,900.98 is due at closing. Uses and sources reconcile at $409,665.69 each. Not a Closing Disclosure.