Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$310,617Cash toward the purchase price.
Closing costs + prepaids$11,141Not just lender fees.
Before credits & paid funds$321,758The complete starting cash picture.
Estimated remaining funds due at closing
$321,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,617.10
Your down payment$310,617.10
Closing costs + prepaids$11,140.79
Total buyer cash needed$321,757.89
Remaining funds due$321,757.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,070.00
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)$378.25
Initial HOA (3 months)$456.00
Prepaid interest, first (1 days)$11.54
Fees + prepaids$11,140.79
Your down payment is the seller’s equity. You take over the $96,383 balance, so the rest of the $407,000 price is paid at closing. A second mortgage can cover part of it. $321,757.89 is due at closing. Uses and sources reconcile at $418,140.79 each. Not a Closing Disclosure.