Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$263,770Cash toward the purchase price.
Closing costs + prepaids$10,866Not just lender fees.
Before credits & paid funds$274,636The complete starting cash picture.
Estimated remaining funds due at closing
$274,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,769.58
Your down payment$263,769.58
Closing costs + prepaids$10,865.95
Total buyer cash needed$274,635.53
Remaining funds due$274,635.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,925.00
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)$424.25
Initial HOA (3 months)$33.75
Prepaid interest, first (23 days)$257.95
Fees + prepaids$10,865.95
Your down payment is the seller’s equity. You take over the $128,730 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $274,635.53 is due at closing. Uses and sources reconcile at $403,365.95 each. Not a Closing Disclosure.