Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$372,705Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$383,694The complete starting cash picture.
Estimated remaining funds due at closing
$383,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,705.45
Your down payment$372,705.45
Closing costs + prepaids$10,988.06
Total buyer cash needed$383,693.51
Remaining funds due$383,693.51
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)$398.75
Initial HOA (3 months)$273.00
Prepaid interest, first (22 days)$91.31
Fees + prepaids$10,988.06
Your down payment is the seller’s equity. You take over the $27,295 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $383,693.51 is due at closing. Uses and sources reconcile at $410,988.06 each. Not a Closing Disclosure.