Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$263,904Cash toward the purchase price.
Closing costs + prepaids$12,673Not just lender fees.
Before credits & paid funds$276,577The complete starting cash picture.
Estimated remaining funds due at closing
$276,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,903.82
Your down payment$263,903.82
Closing costs + prepaids$12,673.37
Total buyer cash needed$276,577.18
Remaining funds due$276,577.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$196.25
Initial HOA (3 months)$1,770.00
Prepaid interest, first (25 days)$582.12
Fees + prepaids$12,673.37
Your down payment is the seller’s equity. You take over the $126,096 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $276,577.18 is due at closing. Uses and sources reconcile at $402,673.37 each. Not a Closing Disclosure.