Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$317,889Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$328,803The complete starting cash picture.
Estimated remaining funds due at closing
$328,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,888.62
Your down payment$317,888.62
Closing costs + prepaids$10,914.72
Total buyer cash needed$328,803.34
Remaining funds due$328,803.34
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)$284.25
Initial HOA (3 months)$282.00
Prepaid interest, first (21 days)$173.47
Fees + prepaids$10,914.72
Your down payment is the seller’s equity. You take over the $77,111 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $328,803.34 is due at closing. Uses and sources reconcile at $405,914.72 each. Not a Closing Disclosure.