Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$321,751Cash toward the purchase price.
Closing costs + prepaids$12,395Not just lender fees.
Before credits & paid funds$334,146The complete starting cash picture.
Estimated remaining funds due at closing
$334,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,750.94
Your down payment$321,750.94
Closing costs + prepaids$12,395.35
Total buyer cash needed$334,146.29
Remaining funds due$334,146.29
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)$1,050.00
Initial HOA (3 months)$660.00
Prepaid interest, first (26 days)$260.35
Fees + prepaids$12,395.35
Your down payment is the seller’s equity. You take over the $98,249 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $334,146.29 is due at closing. Uses and sources reconcile at $432,395.35 each. Not a Closing Disclosure.