Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$232,063Cash toward the purchase price.
Closing costs + prepaids$12,647Not just lender fees.
Before credits & paid funds$244,710The complete starting cash picture.
Estimated remaining funds due at closing
$244,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,063.13
Your down payment$232,063.13
Closing costs + prepaids$12,646.88
Total buyer cash needed$244,710.01
Remaining funds due$244,710.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$766.50
Initial HOA (3 months)$1,452.00
Prepaid interest, first (26 days)$404.38
Fees + prepaids$12,646.88
Your down payment is the seller’s equity. You take over the $147,837 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $244,710.01 is due at closing. Uses and sources reconcile at $392,546.88 each. Not a Closing Disclosure.