Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$344,177Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$355,086The complete starting cash picture.
Estimated remaining funds due at closing
$355,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,177.40
Your down payment$344,177.40
Closing costs + prepaids$10,908.73
Total buyer cash needed$355,086.13
Remaining funds due$355,086.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$283.50
Initial HOA (3 months)$291.00
Prepaid interest, first (21 days)$119.23
Fees + prepaids$10,908.73
Your down payment is the seller’s equity. You take over the $54,823 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $355,086.13 is due at closing. Uses and sources reconcile at $409,908.73 each. Not a Closing Disclosure.