Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$292,567Cash toward the purchase price.
Closing costs + prepaids$11,865Not just lender fees.
Before credits & paid funds$304,432The complete starting cash picture.
Estimated remaining funds due at closing
$304,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,566.76
Your down payment$292,566.76
Closing costs + prepaids$11,865.35
Total buyer cash needed$304,432.11
Remaining funds due$304,432.11
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)$324.75
Initial HOA (3 months)$1,095.00
Prepaid interest, first (31 days)$460.60
Fees + prepaids$11,865.35
Your down payment is the seller’s equity. You take over the $83,433 balance, so the rest of the $376,000 price is paid at closing. A second mortgage can cover part of it. $304,432.11 is due at closing. Uses and sources reconcile at $387,865.35 each. Not a Closing Disclosure.