Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$266,971Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$278,023The complete starting cash picture.
Estimated remaining funds due at closing
$278,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,971.45
Your down payment$266,971.45
Closing costs + prepaids$11,051.14
Total buyer cash needed$278,022.59
Remaining funds due$278,022.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$653.75
Initial HOA (3 months)$188.49
Prepaid interest, first (24 days)$234.90
Fees + prepaids$11,051.14
Your down payment is the seller’s equity. You take over the $107,929 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $278,022.59 is due at closing. Uses and sources reconcile at $385,951.14 each. Not a Closing Disclosure.