Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$325,808Cash toward the purchase price.
Closing costs + prepaids$10,766Not just lender fees.
Before credits & paid funds$336,574The complete starting cash picture.
Estimated remaining funds due at closing
$336,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,807.91
Your down payment$325,807.91
Closing costs + prepaids$10,765.79
Total buyer cash needed$336,573.70
Remaining funds due$336,573.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$474.00
Initial HOA (3 months)$31.26
Prepaid interest, first (12 days)$85.53
Fees + prepaids$10,765.79
Your down payment is the seller’s equity. You take over the $69,192 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $336,573.70 is due at closing. Uses and sources reconcile at $405,765.79 each. Not a Closing Disclosure.