Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$293,483Cash toward the purchase price.
Closing costs + prepaids$11,376Not just lender fees.
Before credits & paid funds$304,859The complete starting cash picture.
Estimated remaining funds due at closing
$304,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,483.33
Your down payment$293,483.33
Closing costs + prepaids$11,375.72
Total buyer cash needed$304,859.05
Remaining funds due$304,859.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Initial HOA (3 months)$276.00
Prepaid interest, first (10 days)$226.72
Fees + prepaids$11,375.72
Your down payment is the seller’s equity. You take over the $121,517 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $304,859.05 is due at closing. Uses and sources reconcile at $426,375.72 each. Not a Closing Disclosure.