Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$327,380Cash toward the purchase price.
Closing costs + prepaids$10,715Not just lender fees.
Before credits & paid funds$338,096The complete starting cash picture.
Estimated remaining funds due at closing
$338,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,380.45
Your down payment$327,380.45
Closing costs + prepaids$10,715.50
Total buyer cash needed$338,095.95
Remaining funds due$338,095.95
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)$390.75
Initial HOA (3 months)$135.00
Prepaid interest, first (2 days)$14.75
Fees + prepaids$10,715.50
Your down payment is the seller’s equity. You take over the $67,620 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $338,095.95 is due at closing. Uses and sources reconcile at $405,715.50 each. Not a Closing Disclosure.