Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$277,790Cash toward the purchase price.
Closing costs + prepaids$11,541Not just lender fees.
Before credits & paid funds$289,330The complete starting cash picture.
Estimated remaining funds due at closing
$289,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,789.74
Your down payment$277,789.74
Closing costs + prepaids$11,540.74
Total buyer cash needed$289,330.49
Remaining funds due$289,330.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$1,134.00
Initial HOA (3 months)$9.99
Prepaid interest, first (26 days)$271.76
Fees + prepaids$11,540.74
Your down payment is the seller’s equity. You take over the $112,209 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $289,330.49 is due at closing. Uses and sources reconcile at $401,539.74 each. Not a Closing Disclosure.