Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$273,535Cash toward the purchase price.
Closing costs + prepaids$10,905Not just lender fees.
Before credits & paid funds$284,439The complete starting cash picture.
Estimated remaining funds due at closing
$284,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,534.60
Your down payment$273,534.60
Closing costs + prepaids$10,904.77
Total buyer cash needed$284,439.37
Remaining funds due$284,439.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,795.00
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)$541.50
Initial HOA (3 months)$67.50
Prepaid interest, first (23 days)$275.77
Fees + prepaids$10,904.77
Your down payment is the seller’s equity. You take over the $105,965 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $284,439.37 is due at closing. Uses and sources reconcile at $390,404.77 each. Not a Closing Disclosure.