Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$326,934Cash toward the purchase price.
Closing costs + prepaids$11,031Not just lender fees.
Before credits & paid funds$337,966The complete starting cash picture.
Estimated remaining funds due at closing
$337,966No 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$11,031.24
Total buyer cash needed$337,965.51
Remaining funds due$337,965.51
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 (31 days)$245.74
Fees + prepaids$11,031.24
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. $337,965.51 is due at closing. Uses and sources reconcile at $411,031.24 each. Not a Closing Disclosure.