Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$334,323Cash toward the purchase price.
Closing costs + prepaids$12,422Not just lender fees.
Before credits & paid funds$346,745The complete starting cash picture.
Estimated remaining funds due at closing
$346,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,323.20
Your down payment$334,323.20
Closing costs + prepaids$12,422.20
Total buyer cash needed$346,745.40
Remaining funds due$346,745.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$2,025.50
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$247.71
Fees + prepaids$12,422.20
Your down payment is the seller’s equity. You take over the $55,577 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $346,745.40 is due at closing. Uses and sources reconcile at $402,322.20 each. Not a Closing Disclosure.