Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$317,590Cash toward the purchase price.
Closing costs + prepaids$10,750Not just lender fees.
Before credits & paid funds$328,339The complete starting cash picture.
Estimated remaining funds due at closing
$328,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,589.53
Your down payment$317,589.53
Closing costs + prepaids$10,749.54
Total buyer cash needed$328,339.07
Remaining funds due$328,339.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$284.25
Initial HOA (3 months)$282.00
Prepaid interest, first (1 days)$8.29
Fees + prepaids$10,749.54
Your down payment is the seller’s equity. You take over the $77,410 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $328,339.07 is due at closing. Uses and sources reconcile at $405,749.54 each. Not a Closing Disclosure.