Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$250,678Cash toward the purchase price.
Closing costs + prepaids$10,995Not just lender fees.
Before credits & paid funds$261,673The complete starting cash picture.
Estimated remaining funds due at closing
$261,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,678.33
Your down payment$250,678.33
Closing costs + prepaids$10,994.78
Total buyer cash needed$261,673.11
Remaining funds due$261,673.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$541.25
Initial HOA (3 months)$2.01
Prepaid interest, first (25 days)$527.52
Fees + prepaids$10,994.78
Your down payment is the seller’s equity. You take over the $119,222 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $261,673.11 is due at closing. Uses and sources reconcile at $380,894.78 each. Not a Closing Disclosure.