Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$234,876Cash toward the purchase price.
Closing costs + prepaids$11,375Not just lender fees.
Before credits & paid funds$246,250The complete starting cash picture.
Estimated remaining funds due at closing
$246,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,875.84
Your down payment$234,875.84
Closing costs + prepaids$11,374.50
Total buyer cash needed$246,250.34
Remaining funds due$246,250.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,780.00
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)$767.25
Initial HOA (3 months)$266.01
Prepaid interest, first (25 days)$336.24
Fees + prepaids$11,374.50
Your down payment is the seller’s equity. You take over the $143,124 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $246,250.34 is due at closing. Uses and sources reconcile at $389,374.50 each. Not a Closing Disclosure.