Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$261,456Cash toward the purchase price.
Closing costs + prepaids$12,924Not just lender fees.
Before credits & paid funds$274,380The complete starting cash picture.
Estimated remaining funds due at closing
$274,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,456.34
Your down payment$261,456.34
Closing costs + prepaids$12,923.76
Total buyer cash needed$274,380.09
Remaining funds due$274,380.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$947.50
Initial HOA (3 months)$1,539.00
Prepaid interest, first (22 days)$422.26
Fees + prepaids$12,923.76
Your down payment is the seller’s equity. You take over the $117,544 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $274,380.09 is due at closing. Uses and sources reconcile at $391,923.76 each. Not a Closing Disclosure.