Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$338,410Cash toward the purchase price.
Closing costs + prepaids$10,816Not just lender fees.
Before credits & paid funds$349,227The complete starting cash picture.
Estimated remaining funds due at closing
$349,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,410.43
Your down payment$338,410.43
Closing costs + prepaids$10,816.44
Total buyer cash needed$349,226.87
Remaining funds due$349,226.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$389.25
Initial HOA (3 months)$192.00
Prepaid interest, first (1 days)$10.19
Fees + prepaids$10,816.44
Your down payment is the seller’s equity. You take over the $61,590 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $349,226.87 is due at closing. Uses and sources reconcile at $410,816.44 each. Not a Closing Disclosure.