Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$275,509Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$286,417The complete starting cash picture.
Estimated remaining funds due at closing
$286,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,508.81
Your down payment$275,508.81
Closing costs + prepaids$10,908.59
Total buyer cash needed$286,417.39
Remaining funds due$286,417.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$628.25
Initial HOA (3 months)$98.01
Prepaid interest, first (27 days)$358.33
Fees + prepaids$10,908.59
Your down payment is the seller’s equity. You take over the $84,391 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $286,417.39 is due at closing. Uses and sources reconcile at $370,808.59 each. Not a Closing Disclosure.