Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$333,485Cash toward the purchase price.
Closing costs + prepaids$10,799Not just lender fees.
Before credits & paid funds$344,284The complete starting cash picture.
Estimated remaining funds due at closing
$344,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,485.32
Your down payment$333,485.32
Closing costs + prepaids$10,798.81
Total buyer cash needed$344,284.12
Remaining funds due$344,284.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,839.00
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)$292.50
Initial HOA (3 months)$258.99
Prepaid interest, first (28 days)$183.32
Fees + prepaids$10,798.81
Your down payment is the seller’s equity. You take over the $50,415 balance, so the rest of the $383,900 price is paid at closing. A second mortgage can cover part of it. $344,284.12 is due at closing. Uses and sources reconcile at $394,698.81 each. Not a Closing Disclosure.