Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$333,561Cash toward the purchase price.
Closing costs + prepaids$10,857Not just lender fees.
Before credits & paid funds$344,418The complete starting cash picture.
Estimated remaining funds due at closing
$344,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,560.90
Your down payment$333,560.90
Closing costs + prepaids$10,856.82
Total buyer cash needed$344,417.72
Remaining funds due$344,417.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$559.75
Initial HOA (3 months)$36.00
Prepaid interest, first (22 days)$136.07
Fees + prepaids$10,856.82
Your down payment is the seller’s equity. You take over the $56,439 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $344,417.72 is due at closing. Uses and sources reconcile at $400,856.82 each. Not a Closing Disclosure.