Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$250,179Cash toward the purchase price.
Closing costs + prepaids$11,340Not just lender fees.
Before credits & paid funds$261,519The complete starting cash picture.
Estimated remaining funds due at closing
$261,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,178.86
Your down payment$250,178.86
Closing costs + prepaids$11,340.00
Total buyer cash needed$261,518.86
Remaining funds due$261,518.86
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)$965.75
Prepaid interest, first (27 days)$359.25
Fees + prepaids$11,340.00
Your down payment is the seller’s equity. You take over the $128,821 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $261,518.86 is due at closing. Uses and sources reconcile at $390,340.00 each. Not a Closing Disclosure.