Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$339,558Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$350,859The complete starting cash picture.
Estimated remaining funds due at closing
$350,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,558.49
Your down payment$339,558.49
Closing costs + prepaids$11,300.03
Total buyer cash needed$350,858.52
Remaining funds due$350,858.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$329.00
Initial HOA (3 months)$189.00
Prepaid interest, first (27 days)$357.03
Fees + prepaids$11,300.03
Your down payment is the seller’s equity. You take over the $80,442 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $350,858.52 is due at closing. Uses and sources reconcile at $431,300.03 each. Not a Closing Disclosure.