Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$306,826Cash toward the purchase price.
Closing costs + prepaids$11,610Not just lender fees.
Before credits & paid funds$318,437The complete starting cash picture.
Estimated remaining funds due at closing
$318,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,826.49
Your down payment$306,826.49
Closing costs + prepaids$11,610.40
Total buyer cash needed$318,436.89
Remaining funds due$318,436.89
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)$583.50
Initial HOA (3 months)$423.00
Prepaid interest, first (25 days)$388.90
Fees + prepaids$11,610.40
Your down payment is the seller’s equity. You take over the $92,174 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $318,436.89 is due at closing. Uses and sources reconcile at $410,610.40 each. Not a Closing Disclosure.