Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$326,934Cash toward the purchase price.
Closing costs + prepaids$10,928Not just lender fees.
Before credits & paid funds$337,862The complete starting cash picture.
Estimated remaining funds due at closing
$337,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,934.26
Your down payment$326,934.26
Closing costs + prepaids$10,928.19
Total buyer cash needed$337,862.45
Remaining funds due$337,862.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$305.50
Initial HOA (3 months)$255.00
Prepaid interest, first (18 days)$142.69
Fees + prepaids$10,928.19
Your down payment is the seller’s equity. You take over the $73,066 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $337,862.45 is due at closing. Uses and sources reconcile at $410,928.19 each. Not a Closing Disclosure.