Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$312,924Cash toward the purchase price.
Closing costs + prepaids$11,403Not just lender fees.
Before credits & paid funds$324,327The complete starting cash picture.
Estimated remaining funds due at closing
$324,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,924.30
Your down payment$312,924.30
Closing costs + prepaids$11,402.80
Total buyer cash needed$324,327.10
Remaining funds due$324,327.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$319.75
Initial HOA (3 months)$951.00
Prepaid interest, first (1 days)$7.05
Fees + prepaids$11,402.80
Your down payment is the seller’s equity. You take over the $77,076 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $324,327.10 is due at closing. Uses and sources reconcile at $401,402.80 each. Not a Closing Disclosure.