Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$310,667Cash toward the purchase price.
Closing costs + prepaids$12,435Not just lender fees.
Before credits & paid funds$323,102The complete starting cash picture.
Estimated remaining funds due at closing
$323,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,666.66
Your down payment$310,666.66
Closing costs + prepaids$12,434.98
Total buyer cash needed$323,101.64
Remaining funds due$323,101.64
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)$468.00
Initial HOA (3 months)$1,740.00
Prepaid interest, first (12 days)$101.98
Fees + prepaids$12,434.98
Your down payment is the seller’s equity. You take over the $79,333 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $323,101.64 is due at closing. Uses and sources reconcile at $402,434.98 each. Not a Closing Disclosure.