Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$311,604Cash toward the purchase price.
Closing costs + prepaids$11,392Not just lender fees.
Before credits & paid funds$322,996The complete starting cash picture.
Estimated remaining funds due at closing
$322,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,604.13
Your down payment$311,604.13
Closing costs + prepaids$11,391.80
Total buyer cash needed$322,995.93
Remaining funds due$322,995.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$968.50
Prepaid interest, first (23 days)$198.30
Fees + prepaids$11,391.80
Your down payment is the seller’s equity. You take over the $88,396 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $322,995.93 is due at closing. Uses and sources reconcile at $411,391.80 each. Not a Closing Disclosure.