Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$281,767Cash toward the purchase price.
Closing costs + prepaids$10,528Not just lender fees.
Before credits & paid funds$292,295The complete starting cash picture.
Estimated remaining funds due at closing
$292,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,767.12
Your down payment$281,767.12
Closing costs + prepaids$10,527.85
Total buyer cash needed$292,294.98
Remaining funds due$292,294.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$419.25
Initial HOA (3 months)$43.74
Prepaid interest, first (29 days)$240.86
Fees + prepaids$10,527.85
Your down payment is the seller’s equity. You take over the $78,133 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $292,294.98 is due at closing. Uses and sources reconcile at $370,427.85 each. Not a Closing Disclosure.