Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$266,949Cash toward the purchase price.
Closing costs + prepaids$12,752Not just lender fees.
Before credits & paid funds$279,700The complete starting cash picture.
Estimated remaining funds due at closing
$279,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,948.80
Your down payment$266,948.80
Closing costs + prepaids$12,751.56
Total buyer cash needed$279,700.36
Remaining funds due$279,700.36
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)$987.50
Initial HOA (3 months)$1,275.00
Prepaid interest, first (24 days)$314.06
Fees + prepaids$12,751.56
Your down payment is the seller’s equity. You take over the $128,051 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $279,700.36 is due at closing. Uses and sources reconcile at $407,751.56 each. Not a Closing Disclosure.