Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$285,483Cash toward the purchase price.
Closing costs + prepaids$10,542Not just lender fees.
Before credits & paid funds$296,025The complete starting cash picture.
Estimated remaining funds due at closing
$296,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,483.20
Your down payment$285,483.20
Closing costs + prepaids$10,542.27
Total buyer cash needed$296,025.48
Remaining funds due$296,025.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$286.00
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$257.27
Fees + prepaids$10,542.27
Your down payment is the seller’s equity. You take over the $84,417 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $296,025.48 is due at closing. Uses and sources reconcile at $380,442.27 each. Not a Closing Disclosure.