Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$305,741Cash toward the purchase price.
Closing costs + prepaids$11,352Not just lender fees.
Before credits & paid funds$317,093The complete starting cash picture.
Estimated remaining funds due at closing
$317,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,741.22
Your down payment$305,741.22
Closing costs + prepaids$11,351.72
Total buyer cash needed$317,092.94
Remaining funds due$317,092.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$782.50
Initial HOA (3 months)$126.00
Prepaid interest, first (25 days)$218.22
Fees + prepaids$11,351.72
Your down payment is the seller’s equity. You take over the $94,259 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $317,092.94 is due at closing. Uses and sources reconcile at $411,351.72 each. Not a Closing Disclosure.