Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$328,427Cash toward the purchase price.
Closing costs + prepaids$11,128Not just lender fees.
Before credits & paid funds$339,555The complete starting cash picture.
Estimated remaining funds due at closing
$339,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,427.13
Your down payment$328,427.13
Closing costs + prepaids$11,127.65
Total buyer cash needed$339,554.78
Remaining funds due$339,554.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,105.00
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)$492.50
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$155.15
Fees + prepaids$11,127.65
Your down payment is the seller’s equity. You take over the $82,073 balance, so the rest of the $410,500 price is paid at closing. A second mortgage can cover part of it. $339,554.78 is due at closing. Uses and sources reconcile at $421,627.65 each. Not a Closing Disclosure.