Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$293,866Cash toward the purchase price.
Closing costs + prepaids$11,644Not just lender fees.
Before credits & paid funds$305,510The complete starting cash picture.
Estimated remaining funds due at closing
$305,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,866.03
Your down payment$293,866.03
Closing costs + prepaids$11,644.35
Total buyer cash needed$305,510.39
Remaining funds due$305,510.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,098.00
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$256.35
Fees + prepaids$11,644.35
Your down payment is the seller’s equity. You take over the $105,134 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $305,510.39 is due at closing. Uses and sources reconcile at $410,644.35 each. Not a Closing Disclosure.