Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$322,085Cash toward the purchase price.
Closing costs + prepaids$12,976Not just lender fees.
Before credits & paid funds$335,062The complete starting cash picture.
Estimated remaining funds due at closing
$335,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,085.50
Your down payment$322,085.50
Closing costs + prepaids$12,976.45
Total buyer cash needed$335,061.95
Remaining funds due$335,061.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
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)$1,022.50
Initial HOA (3 months)$1,200.00
Prepaid interest, first (26 days)$438.95
Fees + prepaids$12,976.45
Your down payment is the seller’s equity. You take over the $86,915 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $335,061.95 is due at closing. Uses and sources reconcile at $421,976.45 each. Not a Closing Disclosure.