Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$326,949Cash toward the purchase price.
Closing costs + prepaids$10,795Not just lender fees.
Before credits & paid funds$337,745The complete starting cash picture.
Estimated remaining funds due at closing
$337,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,949.31
Your down payment$326,949.31
Closing costs + prepaids$10,795.27
Total buyer cash needed$337,744.58
Remaining funds due$337,744.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,995.00
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)$408.00
Initial HOA (3 months)$40.26
Prepaid interest, first (18 days)$127.01
Fees + prepaids$10,795.27
Your down payment is the seller’s equity. You take over the $72,551 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $337,744.58 is due at closing. Uses and sources reconcile at $410,295.27 each. Not a Closing Disclosure.