Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$331,218Cash toward the purchase price.
Closing costs + prepaids$10,950Not just lender fees.
Before credits & paid funds$342,168The complete starting cash picture.
Estimated remaining funds due at closing
$342,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,217.60
Your down payment$331,217.60
Closing costs + prepaids$10,950.04
Total buyer cash needed$342,167.64
Remaining funds due$342,167.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,140.00
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)$284.50
Initial HOA (3 months)$65.01
Prepaid interest, first (31 days)$235.53
Fees + prepaids$10,950.04
Your down payment is the seller’s equity. You take over the $82,782 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $342,167.64 is due at closing. Uses and sources reconcile at $424,950.04 each. Not a Closing Disclosure.