Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$328,339Cash toward the purchase price.
Closing costs + prepaids$10,626Not just lender fees.
Before credits & paid funds$338,965The complete starting cash picture.
Estimated remaining funds due at closing
$338,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,338.88
Your down payment$328,338.88
Closing costs + prepaids$10,625.87
Total buyer cash needed$338,964.74
Remaining funds due$338,964.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$393.75
Prepaid interest, first (1 days)$8.12
Fees + prepaids$10,625.87
Your down payment is the seller’s equity. You take over the $71,561 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $338,964.74 is due at closing. Uses and sources reconcile at $410,525.87 each. Not a Closing Disclosure.