Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$311,024Cash toward the purchase price.
Closing costs + prepaids$11,485Not just lender fees.
Before credits & paid funds$322,510The complete starting cash picture.
Estimated remaining funds due at closing
$322,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,024.34
Your down payment$311,024.34
Closing costs + prepaids$11,485.46
Total buyer cash needed$322,509.80
Remaining funds due$322,509.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,070.00
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)$378.25
Initial HOA (3 months)$456.00
Prepaid interest, first (31 days)$356.21
Fees + prepaids$11,485.46
Your down payment is the seller’s equity. You take over the $95,976 balance, so the rest of the $407,000 price is paid at closing. A second mortgage can cover part of it. $322,509.80 is due at closing. Uses and sources reconcile at $418,485.46 each. Not a Closing Disclosure.