Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$289,048Cash toward the purchase price.
Closing costs + prepaids$11,692Not just lender fees.
Before credits & paid funds$300,740The complete starting cash picture.
Estimated remaining funds due at closing
$300,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,047.86
Your down payment$289,047.86
Closing costs + prepaids$11,691.86
Total buyer cash needed$300,739.72
Remaining funds due$300,739.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,959.99
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)$990.00
Initial HOA (3 months)$270.00
Prepaid interest, first (25 days)$246.87
Fees + prepaids$11,691.86
Your down payment is the seller’s equity. You take over the $106,951 balance, so the rest of the $395,999 price is paid at closing. A second mortgage can cover part of it. $300,739.72 is due at closing. Uses and sources reconcile at $407,690.86 each. Not a Closing Disclosure.