Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$330,290Cash toward the purchase price.
Closing costs + prepaids$11,093Not just lender fees.
Before credits & paid funds$341,382The complete starting cash picture.
Estimated remaining funds due at closing
$341,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,289.69
Your down payment$330,289.69
Closing costs + prepaids$11,092.52
Total buyer cash needed$341,382.21
Remaining funds due$341,382.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$480.00
Initial HOA (3 months)$297.00
Prepaid interest, first (10 days)$90.53
Fees + prepaids$11,092.52
Your down payment is the seller’s equity. You take over the $69,709 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $341,382.21 is due at closing. Uses and sources reconcile at $411,091.52 each. Not a Closing Disclosure.