Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$266,583Cash toward the purchase price.
Closing costs + prepaids$11,144Not just lender fees.
Before credits & paid funds$277,728The complete starting cash picture.
Estimated remaining funds due at closing
$277,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,583.21
Your down payment$266,583.21
Closing costs + prepaids$11,144.30
Total buyer cash needed$277,727.51
Remaining funds due$277,727.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$771.50
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$7.80
Fees + prepaids$11,144.30
Your down payment is the seller’s equity. You take over the $132,417 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $277,727.51 is due at closing. Uses and sources reconcile at $410,144.30 each. Not a Closing Disclosure.