Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$328,997Cash toward the purchase price.
Closing costs + prepaids$11,406Not just lender fees.
Before credits & paid funds$340,404The complete starting cash picture.
Estimated remaining funds due at closing
$340,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,997.49
Your down payment$328,997.49
Closing costs + prepaids$11,406.48
Total buyer cash needed$340,403.97
Remaining funds due$340,403.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$474.50
Initial HOA (3 months)$66.00
Prepaid interest, first (22 days)$241.98
Fees + prepaids$11,406.48
Your down payment is the seller’s equity. You take over the $110,903 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $340,403.97 is due at closing. Uses and sources reconcile at $451,306.48 each. Not a Closing Disclosure.