Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$277,692Cash toward the purchase price.
Closing costs + prepaids$12,101Not just lender fees.
Before credits & paid funds$289,792The complete starting cash picture.
Estimated remaining funds due at closing
$289,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,691.73
Your down payment$277,691.73
Closing costs + prepaids$12,100.62
Total buyer cash needed$289,792.34
Remaining funds due$289,792.34
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)$867.50
Initial HOA (3 months)$819.00
Prepaid interest, first (24 days)$239.12
Fees + prepaids$12,100.62
Your down payment is the seller’s equity. You take over the $117,308 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $289,792.34 is due at closing. Uses and sources reconcile at $407,100.62 each. Not a Closing Disclosure.