Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$306,704Cash toward the purchase price.
Closing costs + prepaids$11,189Not just lender fees.
Before credits & paid funds$317,894The complete starting cash picture.
Estimated remaining funds due at closing
$317,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,704.46
Your down payment$306,704.46
Closing costs + prepaids$11,189.13
Total buyer cash needed$317,893.59
Remaining funds due$317,893.59
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)$474.00
Initial HOA (3 months)$423.00
Prepaid interest, first (9 days)$117.13
Fees + prepaids$11,189.13
Your down payment is the seller’s equity. You take over the $88,296 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $317,893.59 is due at closing. Uses and sources reconcile at $406,189.13 each. Not a Closing Disclosure.