Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$257,414Cash toward the purchase price.
Closing costs + prepaids$11,362Not just lender fees.
Before credits & paid funds$268,776The complete starting cash picture.
Estimated remaining funds due at closing
$268,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,413.99
Your down payment$257,413.99
Closing costs + prepaids$11,361.52
Total buyer cash needed$268,775.51
Remaining funds due$268,775.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$804.75
Initial HOA (3 months)$183.00
Prepaid interest, first (26 days)$278.77
Fees + prepaids$11,361.52
Your down payment is the seller’s equity. You take over the $129,586 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $268,775.51 is due at closing. Uses and sources reconcile at $398,361.52 each. Not a Closing Disclosure.