Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$333,019Cash toward the purchase price.
Closing costs + prepaids$11,338Not just lender fees.
Before credits & paid funds$344,357The complete starting cash picture.
Estimated remaining funds due at closing
$344,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,018.61
Your down payment$333,018.61
Closing costs + prepaids$11,338.31
Total buyer cash needed$344,356.92
Remaining funds due$344,356.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$487.50
Initial HOA (3 months)$585.00
Prepaid interest, first (14 days)$141.81
Fees + prepaids$11,338.31
Your down payment is the seller’s equity. You take over the $56,881 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $344,356.92 is due at closing. Uses and sources reconcile at $401,238.31 each. Not a Closing Disclosure.