Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$297,747Cash toward the purchase price.
Closing costs + prepaids$11,099Not just lender fees.
Before credits & paid funds$308,846The complete starting cash picture.
Estimated remaining funds due at closing
$308,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,747.24
Your down payment$297,747.24
Closing costs + prepaids$11,099.22
Total buyer cash needed$308,846.46
Remaining funds due$308,846.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$599.00
Initial HOA (3 months)$48.51
Prepaid interest, first (23 days)$236.71
Fees + prepaids$11,099.22
Your down payment is the seller’s equity. You take over the $101,253 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $308,846.46 is due at closing. Uses and sources reconcile at $410,099.22 each. Not a Closing Disclosure.