Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$308,262Cash toward the purchase price.
Closing costs + prepaids$11,388Not just lender fees.
Before credits & paid funds$319,650The complete starting cash picture.
Estimated remaining funds due at closing
$319,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,261.97
Your down payment$308,261.97
Closing costs + prepaids$11,388.40
Total buyer cash needed$319,650.37
Remaining funds due$319,650.37
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)$581.50
Initial HOA (3 months)$108.00
Prepaid interest, first (23 days)$273.90
Fees + prepaids$11,388.40
Your down payment is the seller’s equity. You take over the $111,738 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $319,650.37 is due at closing. Uses and sources reconcile at $431,388.40 each. Not a Closing Disclosure.