Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$338,940Cash toward the purchase price.
Closing costs + prepaids$10,956Not just lender fees.
Before credits & paid funds$349,896The complete starting cash picture.
Estimated remaining funds due at closing
$349,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,939.62
Your down payment$338,939.62
Closing costs + prepaids$10,956.32
Total buyer cash needed$349,895.94
Remaining funds due$349,895.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$329.00
Initial HOA (3 months)$189.00
Prepaid interest, first (1 days)$13.32
Fees + prepaids$10,956.32
Your down payment is the seller’s equity. You take over the $81,060 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $349,895.94 is due at closing. Uses and sources reconcile at $430,956.32 each. Not a Closing Disclosure.