Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$223,911Cash toward the purchase price.
Closing costs + prepaids$11,106Not just lender fees.
Before credits & paid funds$235,017The complete starting cash picture.
Estimated remaining funds due at closing
$235,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,911.36
Your down payment$223,911.36
Closing costs + prepaids$11,106.10
Total buyer cash needed$235,017.46
Remaining funds due$235,017.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,760.00
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)$416.75
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$506.35
Fees + prepaids$11,106.10
Your down payment is the seller’s equity. You take over the $152,089 balance, so the rest of the $376,000 price is paid at closing. A second mortgage can cover part of it. $235,017.46 is due at closing. Uses and sources reconcile at $387,106.10 each. Not a Closing Disclosure.