Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$318,461Cash toward the purchase price.
Closing costs + prepaids$11,107Not just lender fees.
Before credits & paid funds$329,568The complete starting cash picture.
Estimated remaining funds due at closing
$329,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,461.40
Your down payment$318,461.40
Closing costs + prepaids$11,106.52
Total buyer cash needed$329,567.92
Remaining funds due$329,567.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$522.00
Prepaid interest, first (26 days)$259.52
Fees + prepaids$11,106.52
Your down payment is the seller’s equity. You take over the $91,539 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $329,567.92 is due at closing. Uses and sources reconcile at $421,106.52 each. Not a Closing Disclosure.