Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$316,142Cash toward the purchase price.
Closing costs + prepaids$11,907Not just lender fees.
Before credits & paid funds$328,049The complete starting cash picture.
Estimated remaining funds due at closing
$328,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,142.26
Your down payment$316,142.26
Closing costs + prepaids$11,906.61
Total buyer cash needed$328,048.87
Remaining funds due$328,048.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$1,615.75
Initial HOA (3 months)$39.00
Prepaid interest, first (25 days)$176.86
Fees + prepaids$11,906.61
Your down payment is the seller’s equity. You take over the $68,858 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $328,048.87 is due at closing. Uses and sources reconcile at $396,906.61 each. Not a Closing Disclosure.