Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$293,483Cash toward the purchase price.
Closing costs + prepaids$11,882Not just lender fees.
Before credits & paid funds$305,365The complete starting cash picture.
Estimated remaining funds due at closing
$305,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,483.33
Your down payment$293,483.33
Closing costs + prepaids$11,882.08
Total buyer cash needed$305,365.42
Remaining funds due$305,365.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$528.25
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$702.83
Fees + prepaids$11,882.08
Your down payment is the seller’s equity. You take over the $121,517 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $305,365.42 is due at closing. Uses and sources reconcile at $426,882.08 each. Not a Closing Disclosure.