Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$313,241Cash toward the purchase price.
Closing costs + prepaids$12,692Not just lender fees.
Before credits & paid funds$325,933The complete starting cash picture.
Estimated remaining funds due at closing
$325,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,241.08
Your down payment$313,241.08
Closing costs + prepaids$12,691.69
Total buyer cash needed$325,932.77
Remaining funds due$325,932.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$1,607.25
Initial HOA (3 months)$312.00
Prepaid interest, first (22 days)$348.44
Fees + prepaids$12,691.69
Your down payment is the seller’s equity. You take over the $106,659 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $325,932.77 is due at closing. Uses and sources reconcile at $432,591.69 each. Not a Closing Disclosure.