Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$338,692Cash toward the purchase price.
Closing costs + prepaids$11,121Not just lender fees.
Before credits & paid funds$349,812The complete starting cash picture.
Estimated remaining funds due at closing
$349,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,691.64
Your down payment$338,691.64
Closing costs + prepaids$11,120.75
Total buyer cash needed$349,812.40
Remaining funds due$349,812.40
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 (31 days)$314.50
Fees + prepaids$11,120.75
Your down payment is the seller’s equity. You take over the $61,308 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $349,812.40 is due at closing. Uses and sources reconcile at $411,120.75 each. Not a Closing Disclosure.