Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$279,480Cash toward the purchase price.
Closing costs + prepaids$11,072Not just lender fees.
Before credits & paid funds$290,552The complete starting cash picture.
Estimated remaining funds due at closing
$290,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,479.80
Your down payment$279,479.80
Closing costs + prepaids$11,071.91
Total buyer cash needed$290,551.71
Remaining funds due$290,551.71
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)$592.50
Initial HOA (3 months)$306.00
Prepaid interest, first (24 days)$258.41
Fees + prepaids$11,071.91
Your down payment is the seller’s equity. You take over the $89,520 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $290,551.71 is due at closing. Uses and sources reconcile at $380,071.91 each. Not a Closing Disclosure.