Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$277,226Cash toward the purchase price.
Closing costs + prepaids$10,770Not just lender fees.
Before credits & paid funds$287,997The complete starting cash picture.
Estimated remaining funds due at closing
$287,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,226.21
Your down payment$277,226.21
Closing costs + prepaids$10,770.36
Total buyer cash needed$287,996.57
Remaining funds due$287,996.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$565.00
Initial HOA (3 months)$26.25
Prepaid interest, first (26 days)$264.11
Fees + prepaids$10,770.36
Your down payment is the seller’s equity. You take over the $91,774 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $287,996.57 is due at closing. Uses and sources reconcile at $379,770.36 each. Not a Closing Disclosure.