Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$247,325Cash toward the purchase price.
Closing costs + prepaids$11,591Not just lender fees.
Before credits & paid funds$258,916The complete starting cash picture.
Estimated remaining funds due at closing
$258,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,324.70
Your down payment$247,324.70
Closing costs + prepaids$11,591.40
Total buyer cash needed$258,916.10
Remaining funds due$258,916.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$355.50
Initial HOA (3 months)$915.00
Prepaid interest, first (25 days)$346.90
Fees + prepaids$11,591.40
Your down payment is the seller’s equity. You take over the $127,575 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $258,916.10 is due at closing. Uses and sources reconcile at $386,491.40 each. Not a Closing Disclosure.