Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$280,653Cash toward the purchase price.
Closing costs + prepaids$10,674Not just lender fees.
Before credits & paid funds$291,327The complete starting cash picture.
Estimated remaining funds due at closing
$291,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,653.16
Your down payment$280,653.16
Closing costs + prepaids$10,673.91
Total buyer cash needed$291,327.07
Remaining funds due$291,327.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$417.50
Initial HOA (3 months)$39.00
Prepaid interest, first (24 days)$202.41
Fees + prepaids$10,673.91
Your down payment is the seller’s equity. You take over the $98,347 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $291,327.07 is due at closing. Uses and sources reconcile at $389,673.91 each. Not a Closing Disclosure.