Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$305,237Cash toward the purchase price.
Closing costs + prepaids$11,601Not just lender fees.
Before credits & paid funds$316,839The complete starting cash picture.
Estimated remaining funds due at closing
$316,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,237.13
Your down payment$305,237.13
Closing costs + prepaids$11,601.39
Total buyer cash needed$316,838.52
Remaining funds due$316,838.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$468.00
Initial HOA (3 months)$945.00
Prepaid interest, first (6 days)$63.40
Fees + prepaids$11,601.39
Your down payment is the seller’s equity. You take over the $84,762 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $316,838.52 is due at closing. Uses and sources reconcile at $401,600.39 each. Not a Closing Disclosure.