Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$306,466Cash toward the purchase price.
Closing costs + prepaids$11,723Not just lender fees.
Before credits & paid funds$318,189The complete starting cash picture.
Estimated remaining funds due at closing
$318,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,465.84
Your down payment$306,465.84
Closing costs + prepaids$11,722.77
Total buyer cash needed$318,188.61
Remaining funds due$318,188.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$463.75
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$334.02
Fees + prepaids$11,722.77
Your down payment is the seller’s equity. You take over the $133,534 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $318,188.61 is due at closing. Uses and sources reconcile at $451,722.77 each. Not a Closing Disclosure.