Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$291,080Cash toward the purchase price.
Closing costs + prepaids$11,625Not just lender fees.
Before credits & paid funds$302,705The complete starting cash picture.
Estimated remaining funds due at closing
$302,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,080.49
Your down payment$291,080.49
Closing costs + prepaids$11,624.55
Total buyer cash needed$302,705.05
Remaining funds due$302,705.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$611.25
Initial HOA (3 months)$320.01
Prepaid interest, first (24 days)$368.29
Fees + prepaids$11,624.55
Your down payment is the seller’s equity. You take over the $118,920 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $302,705.05 is due at closing. Uses and sources reconcile at $421,624.55 each. Not a Closing Disclosure.