Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$338,394Cash toward the purchase price.
Closing costs + prepaids$11,803Not just lender fees.
Before credits & paid funds$350,196The complete starting cash picture.
Estimated remaining funds due at closing
$350,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,393.54
Your down payment$338,393.54
Closing costs + prepaids$11,802.52
Total buyer cash needed$350,196.06
Remaining funds due$350,196.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$754.25
Initial HOA (3 months)$585.00
Prepaid interest, first (24 days)$248.27
Fees + prepaids$11,802.52
Your down payment is the seller’s equity. You take over the $60,606 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $350,196.06 is due at closing. Uses and sources reconcile at $410,802.52 each. Not a Closing Disclosure.